| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32K | $32K | 0.81% |
| AON CONSULTING INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $29K | $29K | 0.73% |
| AON CONSULTING INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $21K | $37K | 1.11% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | — | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $13K | $23K | 0.71% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | — | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $113 | $41K | 5.03% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | — | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $3K | $30K | 3.68% |
| AON CONSULTING INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.63% |
| AON CONSULTING INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.14% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.64% |
| AON CONSULTING INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $750 | $750 | 0.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $113 | $113 | 0.03% |
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 | 14,892 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7,364 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 22,256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 14,649 | $377K |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 14,676 | $8.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 16,352 | $813K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,352 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.