| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS COMPENSATION | SYSTEMS INC. 99 PARK AVENUE, FL 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $120K | $120K | 1.84% |
| AON CONSULTING INC4 | 445 HOTCHINSON AVE, SUITE 900 COLUMBUS, OH 43235 | MEDICAL MUTUAL | $6K | — | $6K | 0.81% |
| AON CONSULTING INC4 | 555 E LANCASTER AVE WAYNE, PA 19087 | UPMC HEALTH OPTIONS | $1K | — | $1K | 0.50% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMMUNITY INSURANCE CO. DBA ANTHEM | $2K | — | $2K | 2.02% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,895 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | MEDICAL MUTUAL | 76 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $28K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $28K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 10,065 | $6.5M |
| Prescription drug(3 contracts, 3 carriers) | MEDICAL MUTUAL | 76 | $994K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,065 | — |
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.