| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP SYS INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $401K | — | $401K | 0.84% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP SYS INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $144K | — | $144K | 0.30% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP SYS INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $372K | $372K | 1.66% |
| THE INDUSTRY ADVANTAGE LLC3 | 23388 MULHOLLAND DRIVE WOODLAND HILLS, CA 91364 | BLUE CROSS OF CALIFORNIA | $23K | — | $23K | 0.26% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51K | $51K | 1.15% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | ACE AMERICAN INSURANCE COMPANY | $70K | — | $70K | 8.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $68K | — | $68K | 10.00% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP SYS INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.14% |
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 | 93,051 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,539 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,736 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 96,326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,819 | $106.5M |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 39,025 | $13.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 84,940 | $9.4M |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 132,670 | $48.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 85,265 | $22.3M |
| Prescription drug(11 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,819 | $106.5M |
| Other(6 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 187,925 | $52.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187,925 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.