| 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 | $467K | — | $467K | 1.03% |
| 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 | $156K | — | $156K | 0.35% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC | 1111 W DEKALB PIKE WAYNE, PA 19087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $149K | — | $149K | 0.33% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC | 1111 W DEKALB PIKE WAYNE, PA 19087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 0.11% |
| 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% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC | 1111 W DEKALB PIKE WAYNE, PA 19087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $378 | — | $378 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $567K | $567K | 1.83% |
| AMERIHEALTH ADMINISTRATORS INC0 Filed as: INDEPENDENCE BLUE CROSS | 1901 MARKET STREET 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INSURANCE CO. | — | $53K | $53K | 1.00% |
| AMERICAN BENEFITS CONSULTING LLC | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | ACE AMERICAN INSURANCE COMPANY | $70K | — | $70K | 10.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMN LLC | PO BOX 310502 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | $59K | — | $59K | 10.58% |
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 | 103,782 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,305 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,066 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109,153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,890 | $83.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 49,732 | $14.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 98,642 | $10.3M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 152,939 | $45.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 101,112 | $31.0M |
| Prescription drug(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,890 | $83.4M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 189,000 | $49.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189,000 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.