| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC4 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMMUNITY INSURANCE CO. DBA ANTHEM | $3K | — | $3K | 1.77% |
| AMERCIAN BENEFITS COMPENSATION3 | SYSTEMS INC. 99 PARK AVENUE, FL 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.73% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS COMPENSATION | SYSTEMS INC. 99 PARK AVENUE, FL 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.73% |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 284 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE CO. DBA ANTHEM | 39 | $188K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 381 | $214K |
| Prescription drug | COMMUNITY INSURANCE CO. DBA ANTHEM | 39 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.