| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $438K | — | $438K | 4.24% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $112K | — | $112K | 9.05% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & CO | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $155K | — | $155K | 15.00% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & CO | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $42K | — | $42K | 15.00% |
No Schedule C service providers reported on this filing.
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 | 33,119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 877 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 33,996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 4,038 | $1.2M |
| Vision(5 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE | 19,084 | $4.3M |
| Life insurance(5 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 31,419 | $20.8M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 38,854 | $24.2M |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 29,301 | $13.6M |
| Other(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 33,115 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,854 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.