| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC4 Filed as: AON CONSULTING INC. | 29695 NETWORK PLACE CHICAGO, IL 60673 | UPMC HEALTH OPTIONS | $5K | — | $5K | 0.49% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.10% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $68 | $68 | 0.01% |
| VIATOR INTERNATIONAL LLC4 Filed as: VIATOR INTERNATIONAL, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 3.93% |
| AON CONSULTING INC4 Filed as: HEWITT ASSOCIATES LLC | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | SCOTT AND WHITE HEALTH PLAN | $2K | — | $2K | 0.51% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.97% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $78 | $78 | 0.02% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.06% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.03% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $256 | $256 | 2.05% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.26% |
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 | 998 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 166 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 169 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 33 | $494K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 33 | $494K |
| Life insurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,794 | $812K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,131 | $114K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,486 | $559K |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,794 | $836K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,794 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.