| 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 | — | $63K | $63K | 1.82% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55K | $55K | 2.01% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $30K | $30K | 2.02% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 2.02% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 2.04% |
| 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 | — | $4K | $4K | 2.08% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.23% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 23-2229683 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $3.7M |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $3.3M |
| AETNA EIN 06-6033492 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $1.6M |
| SEDGWICK CMS EIN 36-2685608 NONE | Direct payment from the plan; Investment advisory (participants); Claims processing Service code 12 | — | $1.5M |
| UNITED HEALTHCARE EIN 41-1289245 NONE | Direct payment from the plan; Insurance agents and brokers; Claims processing; Other services Service code 12 | — | $1.1M |
| CASTLIGHT EIN 26-1989091 NONE | Participant communication; Direct payment from the plan; Other services; Consulting (general) Service code 16 | — | $1.0M |
| CIGNA NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | PO BOX 15964 WILMINGTON, DE 19580 | $782K |
| HINGE HEALTH EIN 81-1884841 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $633K |
| LIVONGO EIN 26-3542036 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $597K |
| DELTA DENTAL NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | PO BOX 1809 ALPHARETTA, GA 300231809 | $517K |
| CURALINC HEALTHCARE NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 314 WEST SUPERIOR STREET CHICAGO, IL 60654 | $207K |
| MORGAN LEWIS EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $34K |
| BELL LITHO EIN 36-2550923 NONE | Participant communication; Copying and duplicating; Other services; Direct payment from the plan Service code 36 | — | $22K |
| NORTHERN TRUST EIN 36-1561860 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $20K |
| ANDERSEN TAX LLC EIN 26-1437743 NONE | Actuarial; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 11 | — | $17K |
| CROWE LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| PRUDENTIAL TRUST COMPANY EIN 58-0513395 NONE | Direct payment from the plan; Investment management Service code 28 | — | $9K |
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 | 16,366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 197 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | SIMNSA | 628 | $3.4M |
| Dental | SIMNSA | 628 | $1.5M |
| Vision(2 contracts) | EYEMED VISION CARE | 22,015 | $1.1M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 16,486 | $4.9M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 759 | $498K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,693 | $3.6M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 16,743 | $865K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,015 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.