| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BNFTS & COMP SYS INC3 Filed as: AMERICAN BNFTS & CMPNSTN SYSTMS INC | 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42K | $42K | 2.08% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 99 PARK AVENUE, SUITE 2500 NEW YORK, NY 10168 | FIRST RELIANCE STANDARD | $24K | — | $24K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AXA EQUITABLE EIN 13-5570651 NONE | Other services; Copying and duplicating; Direct payment from the plan Service code 36 | — | $67K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4088324 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $59K |
| HEWITT ASSOCIATES EIN 36-2235791 NONE | Plan Administrator; Consulting (general); Direct payment from the plan Service code 14 | — | $43K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $18K |
| JPMORGAN CHASE BANK N.A. EIN 13-4994650 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $6K |
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 | 7,833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,309 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,309 | — |
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.