| 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 | $0 | $197K | $197K | 0.37% |
| 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 | $242K | $0 | $242K | 0.64% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 15233 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $31K | $31K | 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 | $550K | $111K | $661K | 13.78% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | SOUTHEAST INC 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $0 | $634K | $634K | 13.21% |
| 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 | $178K | $178K | 3.71% |
| LENOX ADVISORS INC3 | 90 PARK AVENUE NEW YORK, NY 10016 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $152 | $73 | $225 | 0.00% |
| FIRST REPUBLIC INVESTMENT MGMT INC.3 Filed as: FIRST REPUBLIC SECURITIES COMPANY | 111 PINE ST 9TH FLR SAN FRANCISCO, CA 94111 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $24 | $6 | $30 | 0.00% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $0 | $5 | $5 | 0.00% |
| FIRST REPUBLIC INVESTMENT MGMT INC.3 | 111 PINE STREET SAN FRANCISCO, CA 94111 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CONTRACT ADMINISTRATOR | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $67.6M |
| AETNA EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $35.0M |
| NEWTOPIA NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $4.3M |
| CVS CAREMARK EIN 05-0340626 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $3.1M |
| OHIO COORDINATED CARE INC. NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 1201 2ND AVENUE SUITE 1400 SEATTLE, WA 98101 | $2.8M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $2.0M |
| WINFERTILITY EIN 13-4135949 NONE | Direct payment from the plan; Other services Service code 49 | — | $2.0M |
| SPRING CARE, INC. NONE | Direct payment from the plan; Contract Administrator; Participant communication; Claims processing Service code 12 | 60 MADISON AVENUE FLOOR 2 NEW YORK, NY 10010 | $1.9M |
| CIGNA INTERNATIONAL EIN 06-0303370 CLAIM ADMINISTRATION | Float revenue; Other services; Direct payment from the plan Service code 49 | — | $1.2M |
| EVERNORTH BEHAVIORAL HEALTH - EAP EIN 41-1648670 NONE | Direct payment from the plan; Contract Administrator; Participant communication; Claims processing Service code 12 | — | $808K |
| CIGNA HEALTH AND LIFE INSURANCE CO. | Float revenue; Claims processing; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Other services; Contract Administrator 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 | 151,887 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,487 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153,374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 29,347 | $25.8M |
| Vision | EYEMED | 131,582 | $18.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 184,119 | $54.0M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 125,134 | $37.6M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 184,119 | $65.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184,119 | — |
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.