| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AIR LINE PILOTS ASSOCIATION INTL8 Filed as: AIR LINE PILOTS ASSOCIATION INTL. | 535 HERNDON PARKWAY HERNDON, VA 20170 | DELTA DENTAL INSURANCE COMPANY | $54K | — | $54K | 4.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AIR LINE PILOTS ASSOCIATION, INTL. EIN 36-0710830 PLAN SPONSOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $477K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Trustee (discretionary); Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 21 | — | $115K |
| GRANT THORNTON LLP EIN 36-6055558 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $40K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $30K |
| KELLY PRESS EIN 52-0975591 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $7K |
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 | 16,596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,876 | $1.1M |
| Life insurance | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 16,245 | $3.4M |
| Long-term disability(2 contracts) | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 8,760 | $1.4M |
| Other(5 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 16,245 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,245 | — |
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.