| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 99 PARK AVENUE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 2.73% |
| AON CONSULTING INC4 Filed as: AON CONSULTING INC. | 29695 NETWORK PLACE CHICAGO, IL 60673 | UPMC HEALTH OPTIONS | $3K | — | $3K | 0.49% |
| VIATOR INTERNATIONAL LLC4 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 4.20% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 99 PARK AVENUE FL 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.15% |
| AON CONSULTING INC4 Filed as: HEWITT ASSOCIATES LLC | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | SCOTT AND WHITE HEALTH PLAN | $8 | — | $8 | 0.80% |
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 | 1,194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 92 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $409K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $409K |
| Life insurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,102 | $715K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,490 | $687K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,490 | $687K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,194 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,490 | — |
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.