| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $442K | — | $442K | 4.39% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 38113 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $342K | $342K | 3.40% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $108K | — | $108K | 9.36% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY INC | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | NATIONAL UNION FIRE INS. CO. OF PIT | $286K | — | $286K | 27.60% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY INC | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | NATIONAL UNION FIRE INS. CO. OF PIT | $53K | — | $53K | 25.00% |
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 | 37,391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 449 | 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 | 4,261 | $1.1M |
| Vision(5 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE | 22,561 | $5.0M |
| Life insurance(4 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 34,995 | $13.5M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 42,750 | $30.9M |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 31,040 | $13.9M |
| Other(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 37,391 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,750 | — |
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.