| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $370K | $370K | 0.63% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $83K | $83K | 0.52% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38K | $38K | 0.39% |
| SAMMONS COMPANY, L.P.3 | 208 ST. ALBANS FAIRWAY MEMPHIS, TN 38111 | METLIFE LEGAL PLANS | $554K | — | $554K | 10.95% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 0.60% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 0.81% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD FIRE INSURANCE COMPANY | — | $7K | $7K | 2.50% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.78% |
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 | 515,982 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,204 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 80 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 524,266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 89,519 | $22.4M |
| Life insurance(6 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 183,687 | $88.0M |
| Other(9 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 524,266 | $93.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524,266 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.