| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $406K | $406K | 1.09% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX# 28852, PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $285K | $61 | $285K | 0.77% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852, PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $50K | $50K | 0.13% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $103 | $103 | 0.00% |
| A.G. SIEBEN & ASSOCIATES3 Filed as: AG SIEBEN & ASSOCIATION | 800 AIRPORT BLVD, STE 318 BURLINGAME, CA 940101919 | METROPOLITAN LIFE INSURANCE COMPANY | $107K | $48K | $155K | 1.17% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852, LOCKBOX #28852 NEW YORK, NY 10087 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $82K | — | $82K | 3.85% |
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 | 39,051 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 736 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 39,787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 14,272 | $87.2M |
| Dental(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 169 | $1.9M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 75,459 | $50.6M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 75,459 | $37.4M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 14,272 | $84.9M |
| Other(8 contracts, 7 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 39,789 | $10.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75,459 | — |
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.