| 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 | — | $39K | $39K | 1.73% |
| AON CONSULTING INC4 Filed as: AON CONSULTING, INC. | 445 HOTCHINSON AVE, SUITE 900 COLUMBUS, OH 43235 | MEDICAL MUTUAL | $8K | — | $8K | 0.48% |
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 | 10,099 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,099 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MEDICAL MUTUAL | 86 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,058 | $2.3M |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL | 86 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,058 | — |
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.