| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HONEYWELL INTERNATIONAL INC.3 | 115 TABOR ROAD MORRIS PLAINS, NJ 07952 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63K | $63K | 0.30% |
| BENEPLACE, INC.3 Filed as: BENEPLACE | P.O. BOX 203550 AUSTIN, TX 78720 | HYATT LEGAL PLANS | $94K | $10K | $103K | 13.09% |
| STEPHEN CONSTANTS3 | 2021 MONTICELLO DR ANNAPOLIS, MD 21401 | MONUMENTAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.35% |
| GEORGE ABBOTT3 | 2226 EASTLAKE AVE E #42 SEATTLE, WA 981023419 | MONUMENTAL LIFE INSURANCE COMPANY | $993 | — | $993 | 0.47% |
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 | 46,794 | 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) | 46,794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 28,217 | $8.7M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 51,398 | $29.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 28,610 | $5.7M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44,052 | $11.9M |
| Other(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 42,649 | $12.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51,398 | — |
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.
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.