| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEM | 101 PARK AVENUE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $36K | $57K | 3.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONDUENT EIN 81-2983623 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Recordkeeping fees Service code 15 | — | $173K |
| UNITEDHEALTHCARE SERVICES, LLC EIN 47-0854646 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $117K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $94K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7,856 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 862 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 7,908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 3,790 | $1.0M |
| Dental | HIGHMARK INC. | 55 | $39K |
| Vision | HIGHMARK INC. | 55 | $39K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,735 | $1.8M |
| Prescription drug | HIGHMARK INC. | 55 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,735 | — |
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.