| 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 | $217K | $217K | 0.38% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $235K | $0 | $235K | 0.61% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 15233 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $34K | $34K | 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 | $768K | $147K | $915K | 18.19% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | NORTHEAST INC 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $0 | $277K | $277K | 5.50% |
| 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 | $207K | $207K | 4.11% |
| LENOX ADVISORS INC3 | 90 PARK AVENUE NEW YORK, NY 10016 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $213 | $56 | $269 | 0.01% |
| 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 | $171 | $39 | $210 | 0.00% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | — | $34 | $34 | 0.00% |
| FIRST REPUBLIC INVESTMENT MGMT INC.3 | 111 PINE STREET SAN FRANCISCO, CA 94111 | PROVIDENT LIFE & CASUALTY INSURANCE COMPANY | $20 | — | $20 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CONTRACT ADMINISTRATOR | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Float revenue; Participant communication Service code 12 | — | $70.0M |
| AETNA EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $34.1M |
| 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 | $3.8M |
| NEWTOPIA NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.5M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $2.1M |
| WINFERTILITY EIN 13-4135949 NONE | Other services; Direct payment from the plan Service code 49 | — | $2.1M |
| INCLUDED HEALTH EIN 45-3580052 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.7M |
| CIGNA INTERNATIONAL EIN 06-0303370 CLAIM ADMINISTRATION | Direct payment from the plan; Other services; Float revenue Service code 49 | — | $1.2M |
| SPRING CARE, INC. NONE | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication Service code 12 | 60 MADISON AVENUE FLOOR 2 NEW YORK, NY 10010 | $1.0M |
| FIREFLY HEALTH EIN 36-4877360 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $58K |
| LETSGETCHECKED, INC. EIN 47-5563417 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $55K |
| CIGNA HEALTH AND LIFE INSURANCE CO. | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication 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 | 154,963 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,616 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156,579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 31,221 | $27.2M |
| Vision | EYEMED | 133,364 | $20.8M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 184,134 | $57.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 122,640 | $38.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 184,134 | $69.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184,134 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.