| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAVERS, O'KEEFE, LLC Filed as: TRAVERS O'KEEFE | PO BOX 550 ACCORD, NY 12404 | EYEMED VISION CARE | — | $26K | $26K | 4.14% |
| AON CONSULTING INC Filed as: AON CONSULTING INC. | 199 WATER STREET NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 30.01% |
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 | 8,297 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 6,621 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,779 | $295K |
| Vision | EYEMED VISION CARE | 8,558 | $621K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 8,162 | $2.7M |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 3,986 | $2.4M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 6,621 | $2.9M |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 8,162 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,558 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.