| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYS INC. | 99 PARK AVE 25TH FLOOR NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $144K | $144K | 0.29% |
| 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 | $128K | $0 | $128K | 0.39% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | SOUTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $555K | $338K | $893K | 22.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE INC. | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $0 | $127K | $127K | 3.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $65.5M |
| CONNECTICUT GENERAL LIFE INS. CO. EIN 06-0303370 NONE | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $27.8M |
| CAREMARK EIN 95-3382344 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $2.0M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $1.9M |
| CIGNA INTERNATIONAL EIN 06-0303370 NONE | Direct payment from the plan; Float revenue; Other services Service code 49 | — | $1.0M |
| CONNECTICUT GENERAL LIFE INS. | Non-monetary compensation; Other services; Float revenue; Participant communication; Contract Administrator; Direct payment from the plan; Named fiduciary; Claims processing Service code 12 | — | $0 |
| JPMORGAN CHASE BANK NA EIN 13-4994650 PLAN TRUSTEE | Other investment fees and expenses; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $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 | 138,454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,534 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 21,984 | $19.3M |
| Vision | VISION SERVICE PLAN | 118,141 | $15.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 169,915 | $50.9M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 141,029 | $33.2M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 169,915 | $61.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169,915 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.