| 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 | — | $80K | $80K | 2.13% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $355K | $74K | $428K | 28.76% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $36K | — | $36K | 2.42% |
| AMERICAN BENEFITS AND3 | COMPENSATION SYSTEMS INC 101 PARK AVE. FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23K | $23K | 2.09% |
| AMERICAN BENEFITS AND3 | COMPENSATION SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 2.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Contract Administrator; Claims processing; Non-monetary compensation; Participant communication; Other services; Named fiduciary; Direct payment from the plan; Float revenue Service code 12 | — | $3.1M |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $702K |
| QUEST DIAGNOSTICS, INC EIN 16-1387862 NONE | Direct payment from the plan; Other services Service code 49 | — | $565K |
| WEST HEALTH ADVOCATE SOLUTIONS NONE | Other services; Direct payment from the plan Service code 49 | 11808 MIRACLE HILLS DRIVE OMAHA, NE 68154 | $422K |
| BRIGHT HORIZON NONE | Contract Administrator Service code 13 | 2 WELLS AVENUE NEWTON, MA 02459 | $370K |
| CHRONOMICS, INC. NONE | Direct payment from the plan; Contract Administrator Service code 13 | 524 BROADWAY 11TH FLOOR NEW YORK, NY 10012 | $285K |
| DELTA DENTAL MISSOURI EIN 43-0908349 NONE | Claims processing; Contract Administrator Service code 12 | — | $258K |
| METLIFE LEGAL PLANS EIN 34-1650967 NONE | Legal Service code 29 | — | $238K |
| METLIFE ADMIN EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $192K |
| JELLYVISION LAB INC. EIN 36-4442819 NONE | Direct payment from the plan; Other services Service code 49 | — | $84K |
| VISION SERVICE PLAN EIN 36-3560825 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $64K |
| PAYFLEX SYSTEMS USA INC. EIN 91-1774434 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $38K |
| AON CONSULTING, INC. NONE | Contract Administrator Service code 13 | 29695 NETWORK PLACE CHICAGO, IL 60673 | $19K |
| HEALTH EQUITY EIN 52-2383166 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $10K |
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 | 15,689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,799 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3,752 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,226 | $4.8M |
| Dental | DELTA DENTAL OF MISSOURI | 6 | $5K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 25,294 | $3.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,529 | $464K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,705 | $1.1M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7 | $133K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 25,294 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,294 | — |
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.