| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $72K | — | $72K | 0.23% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $349K | — | $349K | 3.46% |
| EVEREST FUNERAL PACKAGE LLC5 | 1300 POST OAK BLVD. SUITE 1210 HOUSTON, TX 770563163 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $100K | $100K | 0.99% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $96K | $96K | 0.95% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | SOUTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $569K | $318K | $887K | 25.80% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | — | $109K | $109K | 3.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 NONE | Other services; Claims processing Service code 12 | — | $63.0M |
| CONNECTICUT GENERAL LIFE INS. CO. EIN 06-0303370 NONE | Participant communication; Named fiduciary; Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $28.8M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $2.0M |
| CAREMARK EIN 95-3382344 NONE | Contract Administrator; Claims processing Service code 12 | — | $1.2M |
| CIGNA INTERNATIONAL EIN 06-0303370 NONE | Direct payment from the plan; Other services; Float revenue Service code 49 | — | $1.0M |
| THE AYCO COMPANY LP | Other insurance fees and expenses Service code 73 | — | $81K |
| JPMORGAN CHASE BANK NA EIN 13-4994650 PLAN TRUSTEE | Other investment fees and expenses; Other fees Service code 72 | — | $0 |
| THE AYCO COMPANY EIN 33-1187432 NONE | Other insurance fees and expenses Service code 73 | — | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 137,243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,094 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 21,798 | $19.1M |
| Vision | VISION SERVICE PLAN | 115,079 | $15.9M |
| Life insurance(3 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 164,083 | $46.5M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 144,948 | $30.9M |
| Other(4 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 122,615 | $15.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164,083 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.