| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | STANDARD INSURANCE COMPANY | — | $230K | $230K | 1.50% |
| AMERICAN BEN. AND COMP. SYS. INC.3 Filed as: AMERICAN BEN AND COMP SYSTEMS | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | STANDARD INSURANCE COMPANY | — | $187K | $187K | 1.22% |
| AMERICAN BEN. AND COMP. SYS. INC.3 Filed as: AMERICAN BEN & COMP SYSTEMS INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $101K | — | $101K | 2.23% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.03% |
| AMERICAN BEN. AND COMP. SYS. INC.3 Filed as: AMERICAN BEN AND COMP SYSTEMS | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | STANDARD INSURANCE COMPANY | — | $73K | $73K | 2.34% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | STANDARD INSURANCE COMPANY | — | $46K | $46K | 1.49% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $366K | $33K | $399K | 23.85% |
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 | 38,633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6,291 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 45,003 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO | 164 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 107 | $1.7M |
| Vision | VISION SERVICE PLAN | 25,334 | $4.5M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 73,977 | $19.8M |
| Long-term disability | STANDARD INSURANCE COMPANY | 18,239 | $3.1M |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 73,977 | $23.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73,977 | — |
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.