| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE, FL 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $46K | $46K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 5.00% |
| AMERICAN BENEFIT & COMPENSATION SYS3 | 99 PARK AVENUE, FLOOR 25 NEW YORK, NY 100161601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE OF FLORIDA TAMPA | 7650 W COURTNEY CAMPBELL CSWY SUITE 1000 TAMPA, FL 33607 | ZURICH AMERICAN INSURANCE COMPANY | $17K | — | $17K | 11.50% |
| STEPHEN CONSTANTS3 | 2021 MONTICELLO DR. ANNAPOLIS, MD 21401 | MONUMENTAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.69% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 99 PARK AVE., FLOOR 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $68 | $68 | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 9102 PO BOX 850000 PHILADELPHIA, PA 191788500 | METROPOLITAN IFE INSURANCE COMPANY | $14 | $34 | $48 | — |
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 | 10,909 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 431 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 371 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $904K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 23,037 | $9.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,452 | $2.5M |
| Short-term disability | METROPOLITAN IFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | METROPOLITAN IFE INSURANCE COMPANY | 0 | $0 |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,452 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,037 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.