| 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 | — | $190K | $190K | 0.36% |
| 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 | $235K | $0 | $235K | 0.69% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 38118 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $35K | $35K | 0.10% |
| 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 | $610K | $107K | $716K | 17.16% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | SOUTHEAST INC 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | — | $419K | $419K | 10.05% |
| 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 | — | $102K | $102K | 2.45% |
| LENOX ADVISORS INC3 | 90 PARK AVENUE NEW YORK, NY 10016 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $231 | $62 | $293 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CONTRACT ADMINISTRATOR | Named fiduciary; Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $66.9M |
| AETNA EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $26.1M |
| NEWTOPIA NONE | Direct payment from the plan Service code 50 | — | $5.3M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $1.9M |
| EVERNORTH BEHAVIORAL HEALTH - EAP EIN 41-1648670 NONE | Direct payment from the plan; Contract Administrator; Participant communication; Claims processing Service code 12 | — | $1.7M |
| WINFERTILITY EIN 13-4135949 NONE | Other services Service code 49 | — | $1.6M |
| OHIO COORDINATED CARE INC. NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | 1201 2ND AVENUE SUITE 1400 SEATTLE, WA 98101 | $1.4M |
| CIGNA INTERNATIONAL EIN 06-0303370 CLAIM ADMINISTRATION | Direct payment from the plan; Float revenue; Other services Service code 49 | — | $948K |
| CIGNA HEALTH AND LIFE INSURANCE CO. | Other services; Named fiduciary; Float revenue; Claims processing; Participant communication; Contract Administrator; Direct payment from the plan; Non-monetary compensation 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 | 141,682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,335 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 27,209 | $22.7M |
| Vision | EYEMED | 122,871 | $17.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 173,678 | $52.7M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 125,899 | $34.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 173,678 | $62.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173,678 | — |
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.