| 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 | — | $76K | $76K | 2.01% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $345K | — | $345K | 21.90% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 9009 WEST LOOP S STE. 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | — | $63K | $63K | 4.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $46K | — | $46K | 2.91% |
| AMERICAN BENEFITS AND3 | COMPENSATION SYSTEMS INC 101 PARK AVE. FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22K | $22K | 2.05% |
| AMERICAN BENEFITS AND3 | COMPENSATION SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 2.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $2.9M |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $875K |
| QUEST DIAGNOSTICS, INC EIN 16-1387862 NONE | Direct payment from the plan; Other services Service code 49 | — | $686K |
| WEST HEALTH ADVOCATE SOLUTIONS NONE | Other services; Direct payment from the plan Service code 49 | 11808 MIRACLE HILLS DRIVE OMAHA, NE 68154 | $437K |
| BRIGHT HORIZON NONE | Contract Administrator Service code 13 | 2 WELLS AVENUE NEWTON, MA 02459 | $374K |
| DELTA DENTAL MISSOURI EIN 43-0908349 NONE | Contract Administrator; Claims processing Service code 12 | — | $253K |
| METLIFE LEGAL PLANS EIN 34-1650967 NONE | Legal Service code 29 | — | $208K |
| METLIFE ADMIN EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $192K |
| PAYFLEX SYSTEMS USA INC. EIN 91-1774434 NONE | Contract Administrator; Claims processing Service code 12 | — | $57K |
| VISION SERVICE PLAN EIN 36-3560825 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $57K |
| HEALTH EQUITY EIN 52-2383166 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $8K |
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 | 9,146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 276 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 354 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,169 | $7.4M |
| Dental | DELTA DENTAL OF MISSOURI | 3 | $4K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 24,136 | $3.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,422 | $463K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,459 | $1.1M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7 | $133K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 24,136 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,136 | — |
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.