| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYS INC. | 101 PARK AVE 14TH FLOOR NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $180K | $180K | 0.33% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $184K | $0 | $184K | 0.55% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 38118 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $30K | $30K | 0.09% |
| 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 | $672K | $148K | $821K | 18.58% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | SOUTHEAST INC 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | — | $364K | $364K | 8.23% |
| 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 | — | $212K | $212K | 4.80% |
| LENOX ADVISORS INC3 | 90 PARK AVENUE NEW YORK, NY 10016 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $229 | — | $229 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Other services; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | — | $51.8M |
| AETNA EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $19.7M |
| NEWTOPIA NONE | Direct payment from the plan Service code 50 | — | $7.2M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $4.6M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $1.8M |
| CIGNA BEHAVIORAL HEALTH - EAP EIN 41-1648670 NONE | Other services Service code 49 | — | $1.8M |
| CIGNA INTERNATIONAL EIN 06-0303370 CLAIM ADMINISTRATION | Other services; Float revenue; Direct payment from the plan Service code 49 | — | $1.1M |
| WINFERTILITY EIN 13-4135949 NONE | Other services Service code 49 | — | $250K |
| 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 | — | $9K |
| CIGNA HEALTH AND LIFE INSURANCE CO. | Participant communication; Named fiduciary; Non-monetary compensation; Float revenue; Other services; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $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 | 133,686 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,240 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135,926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 24,226 | $18.2M |
| Vision | EYE MED | 115,986 | $16.8M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 160,519 | $54.0M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 124,398 | $33.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 160,519 | $63.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160,519 | — |
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.