| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $581K | — | $581K | 3.69% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.04% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $451K | $41K | $492K | 23.85% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $0 | $37K | $37K | 1.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | — | CIGNA HEALTH AND LIFE INSURANCE CO | $37K | — | $37K | 2.00% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK 14TH FLOOR NEW YORK, NY 10178 | ACE AMERICAN INSURANCE COMPANY | $27K | — | $27K | 3.00% |
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 | 42,049 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 192 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6,501 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 48,742 | 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 | 173 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 79 | $1.9M |
| Vision | VISION SERVICE PLAN | 25,937 | $4.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 72,372 | $15.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 18,359 | $1.9M |
| Other(5 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 72,372 | $20.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72,372 | — |
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.