| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYS. INC. | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $78K | $78K | 1.69% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYS. INC. | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $57K | $57K | 1.99% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYS. INC. | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34K | $34K | 2.13% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYS. INC. | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 2.02% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYS. INC. | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 2.03% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYS. INC. | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.93% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYS. INC. | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.95% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYS. INC. | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.95% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYS. INC. | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 23-2229683 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $3.5M |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Contract Administrator; Direct payment from the plan; Actuarial Service code 11 | — | $3.3M |
| SEDGWICK CMS EIN 36-2685608 NONE | Direct payment from the plan; Investment advisory (participants); Claims processing Service code 12 | — | $1.4M |
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $1.3M |
| UNITED HEALTHCARE EIN 41-1289245 NONE | Other services; Claims processing; Insurance agents and brokers; Direct payment from the plan Service code 12 | — | $1.2M |
| CASTLIGHT EIN 26-1989091 NONE | Participant communication; Direct payment from the plan; Consulting (general); Other services Service code 16 | — | $947K |
| CIGNA NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | PO BOX 15964 WILMINGTON, DE 19580 | $637K |
| LIVONGO EIN 26-3542036 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $626K |
| HINGE HEALTH EIN 81-1884841 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $620K |
| DELTA DENTAL NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | PO BOX 1809 ALPHARETTA, GA 300231809 | $509K |
| CURALINC HEALTHCARE NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | 314 WEST SUPERIOR STREET CHICAGO, IL 60654 | $190K |
| MORGAN LEWIS EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $89K |
| CROWE LLP EIN 35-0921680 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $76K |
| NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $22K |
| BELL LITHO EIN 36-2550923 NONE | Other services; Participant communication; Direct payment from the plan; Copying and duplicating Service code 36 | — | $22K |
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 | 16,871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 490 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 640 | $5.2M |
| Dental | SIMNSA | 640 | $1.8M |
| Vision(4 contracts) | EYEMED VISION CARE | 21,533 | $1.1M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 16,420 | $5.1M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 760 | $477K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,280 | $4.8M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 16,467 | $905K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,533 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.