| 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 | $410K | — | $410K | 0.88% |
| 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 | $136K | — | $136K | 0.29% |
| 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 | — | $947K | $947K | 3.87% |
| THE INDUSTRY ADVANTAGE LLC3 | 23388 MULHOLLAND DRIVE WOODLAND HILLS, CA 91364 | BLUE CROSS OF CALIFORNIA | $18K | — | $18K | 0.33% |
| AMERICAN BENEFITS CONSULTING LLC | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | ACE AMERICAN INSURANCE COMPANY | $75K | — | $75K | 4.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $65K | — | $65K | 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 | $2K | — | $2K | 1.18% |
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 | 99,745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,454 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15,337 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116,536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 3,210 | $75.5M |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 44,567 | $15.4M |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 94,064 | $9.7M |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 144,136 | $46.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 93,316 | $24.5M |
| Prescription drug(11 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 3,210 | $75.5M |
| Other(6 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 189,000 | $52.3M |
| 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.