| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 0.36% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $318K | — | $318K | 5.25% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $18K | $18K | 0.29% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $79K | — | $79K | 1.33% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FLOOR 14 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $475 | $475 | 2.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MELLON CAPITAL MANAGEMENT EIN 25-1442864 NONE | Direct payment from the plan; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Soft dollars commissions; Investment management; Other services Service code 28 | — | $336K |
| GRANTHAM,MAYO,VAN OTTERLOO&CO (GMO) EIN 04-2691242 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $146K |
| THE BANK OF NY MELLON EIN 13-5160382 TRUSTEE | Investment management fees paid directly by plan; Investment management; Trustee (bank, trust company, or similar financial institution); Custodial (other than securities); Direct payment from the plan; Custodial (securities); Other services Service code 18 | — | $124K |
| COMPSYCH EIN 35-3739783 NONE | Contract Administrator; Other insurance fees and expenses Service code 13 | — | $107K |
| STANDISH MELLON ASSET EIN 25-1890416 NONE | Investment management Service code 28 | — | $77K |
| AON HEWITT EIN 36-3109431 NONE | Consulting (general) Service code 16 | — | $40K |
| KPMG LLP EIN 13-5565207 NONE | Accounting (including auditing); Legal; Direct payment from the plan Service code 10 | — | $30K |
| MITCHELL & TITUS LLP EIN 13-2781641 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $17K |
| THOMPSON HINE LLP EIN 34-0575300 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
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 | 88,169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15,813 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103,982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 14 carriers) | KAISER FOUNDATION HEALTH PLAN INC, SOUTHERN CA | 3,182 | $47.9M |
| Dental | AETNA INC. | 21,048 | $4.0M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 1,229 | $76K |
| Life insurance(8 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 48,879 | $50.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 104,141 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104,141 | — |
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.