| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVENUE, SUITE 2500 NEW YORK, NY 10168 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $104K | — | $104K | 5.83% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVENUE, SUITE 2500 NEW YORK, NY 10016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $15K | $33K | 40.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 8.60% |
| ERIC LEVY3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $845 | — | $845 | 1.02% |
| JEFFREY JOSEPH JONES3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVENUE, SUITE 2500 NEW YORK, NY 10168 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 12.96% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $643 | $2K | 23.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $380 | $206 | $586 | 5.64% |
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 | 3,634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,944 | $210K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,884 | $1.8M |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,884 | $1.8M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,884 | $1.8M |
| Other(6 contracts, 6 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,929 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,944 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.