| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 436234615 | RELIASTAR LIFE INSURANCE COMPANY | — | $30K | $30K | 2.74% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 436234615 | RELIASTAR LIFE INSURANCE COMPANY | — | $30K | $30K | 3.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AIR LINE PILOTS ASSOCIATION, INTL. EIN 36-0710830 PLAN SPONSOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $626K |
| NORTHERN TRUST EIN 36-1561860 NONE | Trustee (discretionary); Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Investment management Service code 21 | — | $183K |
| WITHUMSMITH&BROWN EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $50K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $35K |
| JAMS, INC EIN 68-0542699 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
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 | 13,091 | 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) | 13,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 2,220 | $1.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 15,129 | $5.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,523 | $826K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,129 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,129 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.