| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND3 | COMPENSATION SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $99K | $99K | 1.98% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $414K | — | $414K | 25.60% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $38K | $114K | $152K | 9.42% |
| AMERICAN BENEFITS AND3 | COMPENSATION SYSTEMS INC 101 PARK AVE. FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $30K | $30K | 2.13% |
| AMERICAN BENEFITS AND3 | COMPENSATION SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 1.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Named fiduciary; Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $3.2M |
| QUEST DIAGNOSTICS, INC. EIN 16-1387862 NONE | Direct payment from the plan; Other services Service code 49 | — | $866K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $824K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $653K |
| WEST HEALTH ADVOCATE SOLUTIONS NONE | Other services; Direct payment from the plan Service code 49 | 11808 MIRACLE HILLS DRIVE OMAHA, NE 68154 | $510K |
| AON CONSULTING, INC. NONE | Contract Administrator Service code 13 | 29695 NETWORK PLACE CHICAGO, IL 60673 | $311K |
| BRIGHT HORIZON NONE | Contract Administrator Service code 13 | 2 WELLS AVENUE NEWTON, MA 02459 | $304K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Claims processing; Contract Administrator Service code 12 | — | $295K |
| HYATT LEGAL PLANS, INC. EIN 34-1650967 NONE | Legal; Direct payment from the plan; Contract Administrator Service code 13 | — | $244K |
| JELLYVISION LAB INC EIN 36-4442819 NONE | Other services; Direct payment from the plan Service code 49 | — | $129K |
| VISION SERVICE PLAN EIN 36-3560825 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $75K |
| PAYFLEX SYSTEMS USA INC. EIN 91-1774434 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $59K |
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 | 15,639 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,705 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3,905 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,497 | $9.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 29,948 | $5.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,544 | $579K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,213 | $1.4M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7 | $170K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7 | $170K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 29,948 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,948 | — |
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.