| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $72K | $72K | 1.96% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $58K | $58K | 2.02% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32K | $32K | 2.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 2.04% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 10017 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 2.03% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.06% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.71% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.30% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $4.5M |
| BLUE CROSS BLUE SHIELD EIN 23-2229683 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $4.1M |
| AETNA EIN 06-6033492 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $2.2M |
| SEDGWICK CMS EIN 36-2685608 NONE | Claims processing; Direct payment from the plan; Investment advisory (participants) Service code 12 | — | $1.6M |
| UNITED HEALTHCARE EIN 41-1289245 NONE | Insurance agents and brokers; Other services; Claims processing; Direct payment from the plan Service code 12 | — | $1.3M |
| CASTLIGHT EIN 26-1989091 NONE | Participant communication; Other services; Consulting (general); Direct payment from the plan Service code 16 | — | $1.2M |
| CIGNA NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | PO BOX 15964 WILMINGTON, DE 19580 | $1.0M |
| LIVONGO EIN 26-3542036 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $527K |
| HINGE HEALTH EIN 81-1884841 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $415K |
| DELTA DENTAL NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | PO BOX 1809 ALPHARETTA, GA 300231809 | $183K |
| HAGER STRATEGIC, INC EIN 52-1942556 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $76K |
| MORGAN LEWIS EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $63K |
| METLIFE DENTAL NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | PO BOX 981987 EL PASO, TX 79998 | $46K |
| CROWE LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $36K |
| NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $20K |
| PRUDENTIAL TRUST COMPANY EIN 58-0513395 NONE | Investment management; Direct payment from the plan Service code 28 | — | $18K |
| BELL LITHO EIN 36-2550923 NONE | Copying and duplicating; Participant communication; Other services; Direct payment from the plan Service code 36 | — | $17K |
| ANDERSEN TAX LLC EIN 26-1437743 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Actuarial; Direct payment from the plan Service code 11 | — | $11K |
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 | 15,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 216 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 556 | $4.3M |
| Dental | SIMNSA | 556 | $1.3M |
| Vision(7 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 5,889 | $1.9M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 16,959 | $5.2M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 801 | $478K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,323 | $3.8M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 17,573 | $896K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,573 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.