| 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 | $132K | $0 | $132K | 0.40% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $366K | $0 | $366K | 3.65% |
| EVEREST FUNERAL PACKAGE LLC5 | 1300 POST OAK BLVD. SUITE 1210 HOUSTON, TX 770563163 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $104K | $104K | 1.03% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $99K | $99K | 0.99% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | SOUTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $608K | $616K | $1.2M | 31.50% |
| PENN MUTUAL3 | 600 DRESHER ROAD C1D HORSHAM, PA 19044 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $0 | $192K | $192K | 4.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 NONE | Claims processing; Other services Service code 12 | — | $69.8M |
| CONNECTICUT GENERAL LIFE INS. CO. EIN 06-0303370 NONE | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue Service code 12 | — | $27.4M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $1.8M |
| CAREMARK EIN 95-3382344 NONE | Claims processing; Contract Administrator Service code 12 | — | $1.5M |
| CIGNA INTERNATIONAL EIN 06-0303370 NONE | Other services; Float revenue; Direct payment from the plan Service code 49 | — | $1.1M |
| THE AYCO COMPANY LP | Other insurance fees and expenses Service code 73 | — | $74K |
| CONNECTICUT GENERAL LIFE INS. | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Contract Administrator; Participant communication; Non-monetary compensation Service code 12 | — | $0 |
| JPMORGAN CHASE BANK NA EIN 13-4994650 PLAN TRUSTEE | Other fees; Other investment fees and expenses 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 | 135,829 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,802 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137,631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 21,056 | $18.5M |
| Vision | VISION SERVICE PLAN | 115,277 | $15.1M |
| Life insurance(3 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 166,775 | $46.9M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 142,772 | $32.9M |
| Other(4 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 120,515 | $15.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166,775 | — |
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."
No prospect flags tripped on this filing.