| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.79% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.91% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.84% |
| VIATOR INTERNATIONAL LLC4 Filed as: VIATOR INTERNATIONAL, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 3.30% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.10% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL, LLC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $244 | — | $244 | 3.99% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $284 | $284 | — |
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 | 615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 163 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12 | $176K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12 | $176K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12 | $176K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,058 | $358K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 410 | $256K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,329 | $459K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,058 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,329 | — |
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."
No prospect flags tripped on this filing.