| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 436234615 | RELIASTAR LIFE INSURANCE COMPANY | — | $53K | $53K | 4.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 436234615 | RELIASTAR LIFE INSURANCE COMPANY | — | $46K | $46K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AIR LINE PILOTS ASSOCIATION, INTL EIN 36-0710830 PLAN SPONSOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $632K |
| NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Trustee (discretionary); Investment management Service code 21 | — | $126K |
| 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; Direct payment from the plan; Consulting (general) Service code 11 | — | $34K |
| KELLY PRESS, INC EIN 52-0975591 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $21K |
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 | 13,192 | 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) | 13,192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,807 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 15,636 | $5.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,440 | $1.3M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,636 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,636 | — |
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.