| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38K | $38K | 1.11% |
| EBCG LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $27K | $27K | 0.80% |
| EBCG LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $60 | $60 | 0.00% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | — | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $41K | $60K | 2.01% |
| EBCG LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $18K | $28K | 0.93% |
| EBCG LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $60 | $60 | 0.00% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.15% |
| EBCG LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.76% |
| EBCG LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $60 | $60 | 0.01% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $10K | $56K | 8.11% |
| EBCG LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $60 | $22K | 3.18% |
| EBCG LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.60% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.18% |
| EBCG LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.77% |
| EBCG LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $60 | $60 | 0.02% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $524 | $1K | $2K | 0.60% |
| EBCG LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $259 | $473 | $732 | 0.28% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | — | CIGNA LIFE INSURANCE CO. OF NEW YORK | $174 | — | $174 | — |
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 | 15,118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 82 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15,034 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 291 | $3.4M |
| Life insurance(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,017 | $8.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 18,017 | $3.0M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,017 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,017 | — |
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.