| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $439K | — | $439K | 4.65% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $111K | — | $111K | 9.84% |
| 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 | $32K | — | $32K | 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 | 30,033 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,290 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 5,060 | $1.2M |
| Vision(5 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE | 23,498 | $4.7M |
| Life insurance(4 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 37,347 | $13.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 45,754 | $29.3M |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 33,534 | $13.0M |
| Other(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 39,818 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45,754 | — |
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.