| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $439K | $439K | 1.21% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX# 28852, PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $276K | — | $276K | 0.76% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $189 | $189 | 0.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $92 | $92 | 0.00% |
| A.G. SIEBEN & ASSOCIATES3 Filed as: AG SIEBEN & ASSOCIATION | 800 AIRPORT BLVD, STE 318 BURLINGAME, CA 940101919 | METROPOLITAN LIFE INSURANCE COMPANY | $98K | $63K | $162K | 1.27% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852, LOCKBOX #28852 NEW YORK, NY 10087 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $137K | — | $137K | 7.17% |
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 | 37,391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 611 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 38,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 14,456 | $99.1M |
| Dental(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $1.4M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 75,160 | $49.1M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 75,160 | $36.3M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 14,456 | $97.3M |
| Other(6 contracts, 5 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 38,062 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75,160 | — |
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.