| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELMC LLC3 | 215 EAST 68TH STREET NEW YORK, NY 10065 | HARTFORD LIFE AND ACCIDENT | $253K | $181K | $434K | 3.40% |
| ELMC LLC3 Filed as: ELMC, LLC | 18 MARILYN RD CORTLANDT MANOR, NY 105671605 | KAISER FOUNDATION HEALTH PLAN, INC. | — | $117K | $117K | 1.53% |
| ELMC LLC3 Filed as: ELMC, LLC | 18 MARILYN RD CORTLANDT MANOR, NY 105671605 | KAISER FOUNDATION HEALTH PLAN, INC. | — | $33K | $33K | 1.42% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BNFT PROGRAMS INC | AN AON COMPANY PO BOX 6718 SOMERSET, NJ 08875 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104K | $19K | $123K | 7.03% |
| HEWITT INSURANCE BROKERAGE LLC3 | 38030 TREASURY CENTER CHICAGO, IL 606949300 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72K | — | $72K | 4.10% |
| ELMC LLC3 | 215 EAST 68TH STREET 6L NEW YORK, NY 10065 | HARTFORD LIFE AND ACCIDENT | $20K | $11K | $31K | 3.11% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | 268 MUNOZ RIVERA AVE HATO REY TOWER 1800 SAN JUAN, PR 00919 | TRIPLE S SALUD, INC. | $33K | — | $33K | 5.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | $11K | $99K | 15.51% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18K | $18K | 2.81% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $187 | — | $187 | 0.03% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $52K | $7K | $60K | 9.83% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | AON CENTER 304 PONCE DE LEON AVENUE SUITE 1000 SAN JUAN, PR 00918 | TRIPLE-S VIDA, INC. | $3K | — | $3K | 15.00% |
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 | 88,932 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,414 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,327 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 91,673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 4,628 | $13.4M |
| Dental | TRIPLE S SALUD, INC. | 111 | $659K |
| Vision | VISION SERVICE PLAN | 23,040 | $3.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 43,463 | $12.8M |
| Short-term disability | TRIPLE-S VIDA, INC. | 126 | $20K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 43,463 | $12.8M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 314 | $1.9M |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 47,577 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,577 | — |
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.