| 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 | — | $164K | $164K | 0.31% |
| 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 | $182K | $0 | $182K | 0.54% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 38118 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $28K | $28K | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | SOUTHEAST INC 40 WALL STREET, SUITE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $542K | $111K | $652K | 16.73% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | SOUTHEAST INC 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | — | $237K | $237K | 6.08% |
| 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 | — | $121K | $121K | 3.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $67.1M |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Non-monetary compensation; Float revenue; Participant communication; Direct payment from the plan; Named fiduciary; Claims processing; Contract Administrator; Other services Service code 12 | — | $28.6M |
| CVS PHARMACY, INC. EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $2.2M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $2.0M |
| NEWTOPIA NONE | Direct payment from the plan Service code 50 | — | $1.2M |
| CIGNA INTERNATIONAL EIN 06-0303370 NONE | Direct payment from the plan; Other services; Float revenue Service code 49 | — | $1.1M |
| 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 | 138,805 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,739 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140,544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 22,648 | $17.2M |
| Vision | VISION SERVICE PLAN | 119,374 | $15.7M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 169,116 | $53.0M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 136,691 | $33.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 169,116 | $61.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169,116 | — |
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.