| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MILLIMAN AGENCY INC3 | 1 PENN PLZ FLOOR 38 NEW YORK, NY 10119 | METROPOLITAN LIFE INSURANCE COMPANY | $95K | — | $95K | 2.07% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | 3010 BRIARPARK DR SUITE 8000 HOUSTON, TX 77003 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | — | $44K | 0.95% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 9009 WEST LOOP S STE 600 HOUSTON, TX 770961719 | RELIASTAR LIFE INSURANCE COMPANY | — | $28K | $28K | 4.00% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 9009 WEST LOOP S STE 600 HOUSTON, TX 770961719 | RELIASTAR LIFE INSURANCE COMPANY | — | $25K | $25K | 4.00% |
| THE MILLIMAN AGENCY INC3 | 1 PENN PLZ FLOOR 38 NEW YORK, NY 10119 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 5.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AIR LINE PILOTS ASSOCIATION, INTL. EIN 36-0710830 PLAN SPONSOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $626K |
| EMPYREAN BENEFIT SOLUTIONS INC NONE | Direct payment from the plan Service code 50 | 3010 BRIARPARK DRIVE 8000 HOUSTON, TX 77042 | $203K |
| NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Trustee (discretionary); Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 21 | — | $100K |
| WITHUMSMITH&BROWN, P.C. EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $37K |
| MILLIMAN USA EIN 91-0675641 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $33K |
| KELLY PRESS EIN 52-0975591 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $8K |
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 | 11,598 | 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) | 11,598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,784 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,102 | $4.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,015 | $295K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,102 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,102 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.