| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $201K | $201K | 1.24% |
| DYE & ESKIN INC3 Filed as: DYE & ESKIN, INC. | 1324 VINCENT PLACE MCLEAN, VA 22101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 0.02% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE NEW YORK, NY 10178 | MANHATTANLIFE | $761K | $0 | $761K | 6.84% |
| JESS C. HAMILL SR.3 | 32 SOSEGADO LANE HOT SPRINGS VILLAGE, AR 71909 | MANHATTANLIFE | $10 | $0 | $10 | 0.00% |
| DIANNA S ROBERTSON3 Filed as: DIANNA S. ROBERTSON | 7421 NW 105TH STREET OKLAHOMA CITY, OK 73162 | MANHATTANLIFE | $3 | $0 | $3 | 0.00% |
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 | 47,404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 47,404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 38 | $355K |
| Dental(2 contracts, 2 carriers) | THE DENTAL CONCERN, INC. | 42,362 | $7.8M |
| Vision(2 contracts, 2 carriers) | THE DENTAL CONCERN, INC. | 42,362 | $7.8M |
| Life insurance | HUMANA INSURANCE COMPANY | 435 | $700K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 60,492 | $16.1M |
| Prescription drug(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 38 | $355K |
| Other(2 contracts, 2 carriers) | MANHATTANLIFE | 16,066 | $11.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60,492 | — |
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.