| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $15K | $56K | 6.77% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVENUE FLOOR 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $14K | $50K | 6.80% |
| AON CONSULTING INC3 Filed as: AON HEWITT | PO BOX 905494 CHARLOTTE, NC 282905494 | COMBINED INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 5.88% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 5.23% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $147 | $1K | 16.76% |
| SABATO FINANCIAL, LLC3 Filed as: SABATO FINANCIAL LLC | 88 HARRISON AVENUE ROSELAND, NJ 07068 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32 | $0 | $32 | 12.17% |
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 | 1,636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 225 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 3,519 | $203K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,911 | $736K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $125K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,527 | $832K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,911 | $745K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,519 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.