| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVENUE FLOOR 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $58K | $23K | $81K | 5.60% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $11K | $37K | 4.99% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR | 29840 NETWORK PLACE CHICAGO, IL 606731288 | EYEMED VISION CARE | $8K | — | $8K | 3.18% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 6.73% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | FIRST UNUM LIFE INSURANCE COMPANY | $799 | $107 | $906 | 14.33% |
| MICHAEL SABATO3 | 88 HARRISON AVENUE ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $160 | — | $160 | 5.50% |
| BENEFITMALL3 | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $145 | $145 | 4.99% |
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 | 1,854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 911 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 3,812 | $243K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,542 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 587 | $73K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,676 | $750K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,542 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,542 | — |
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.