| 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 | $489K | — | $489K | 2.81% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 0.05% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $445K | $26K | $471K | 17.91% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 436234615 | RELIASTAR LIFE INSURANCE COMPANY | — | $52K | $52K | 1.99% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | — | $58K | $58K | 2.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE CO | $41K | — | $41K | 2.04% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | ACE AMERICAN INSURANCE COMPANY | $29K | — | $29K | 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 | 42,287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 189 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6,167 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 48,643 | 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 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 75 | $2.0M |
| Vision | VISION SERVICE PLAN | 26,517 | $4.6M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 72,661 | $17.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 19,095 | $2.3M |
| Other(5 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 72,661 | $23.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72,661 | — |
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.