| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 071880001 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $1.0M | — | $1.0M | 54.22% |
| NETWORK ADMIN INS AGCY INC Filed as: NETWORK ADMINISTRATORS | 888 VETERANS MEMORIAL HWY SUITE 540 HAUPPAUGE, NY 11788 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $450K | — | $450K | 24.06% |
| PROFESSIONAL GROUP PLAN INC | 225 WIRELESS BLVD STE HAUPPAUGE, NY 23060 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 4.88% |
| NETWORK ADMIN INS AGCY INC Filed as: NETWORK ADMINISTRATORS AGENCY INC | 4114 LEGATO RD STE 400 FAIRFAX, VA 220334002 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 4.46% |
| WILLS OF MARYLAND | PO BOX 13784 NEWARK, NJ 071880001 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 3.77% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF TEXAS LLC DBA GS | 4114 LEGATO RD STE 400 FAIRFAX, VA 220334002 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 1.53% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $11K | $4K | $15K | 19.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATION | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Claims processing; Contract Administrator Service code 12 | 111 S CALVERT ST SUITE 1600 BALTIMORE, MD 21202 | $5.6M |
| ASSUREDPARTNERS GSA NATIONAL EIN 36-4829385 ADMIN SUPPORT SERVICES | Other services; Plan Administrator; Recordkeeping fees; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 14 | 4114 LEGATO ROAD SUITE 400 FAIRFAX, VA 22033 | $2.2M |
| MATRIX ABSENCE MANAGEMENT, INC EIN 77-0493584 CLAIMS ADMINISTRATION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator; Participant communication; Recordkeeping fees; Claims processing Service code 12 | 9200 GROVETON CIR OWING MILLS, MD 21117 | $298K |
| FLEXFACTS EIN 27-2036736 BENEFITS ADMINISTRATION | Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 200 RIVER AVE LAKEWOOD, NJ 08701 | $223K |
| AMERICAN MAIL & INSERT EIN 20-1210989 PRINTING & REPRODUCTION | Copying and duplicating; Direct payment from the plan; Participant communication; Other services; Other fees Service code 36 | 7104 CROSSROADS BLVD SUITE 108 BRENTWOOD, TN 37027 | $5K |
| CERINI & ASSOCIATES, LLP EIN 11-3066459 CONSULTANT/ACTUARIAL | Accounting (including auditing); Consulting (general); Actuarial Service code 10 | 3340 VETERANS MEMORIAL HWY BOHEMIA, NY 11716 | $0 |
| CIGNA HEALTH & LIFE INSURANCE CO 59 | Float revenue; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Contract Administrator; Other services; Claims processing Service code 12 | — | $0 |
| CROWE HORWATH, LLP EIN 35-0921680 ACCOUNTING SERVICES | Consulting (general); Direct payment from the plan; Accounting (including auditing) Service code 10 | 1455 PENNSYLVANIA AVE NW WASHINGTON, DC 20004 | $0 |
| SCHWABE, WILLIAMSON & WYATT, PC EIN 93-1130272 LEGAL SERVICES | Legal; Direct payment from the plan Service code 29 | 1211 SW 5TH AVE STE 1900 PORTLAND, OR 97204 | $0 |
| WATKINS LIGHOGRAPHIC, INC EIN 43-1452539 PRINTING & REPRODUCTION | Direct payment from the plan; Other fees; Copying and duplicating; Participant communication; Other services Service code 36 | 133 W 10TH AVENUE NORTH KANSAS CITY, MO 64116 | $0 |
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 | 9,516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,864 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,008 | $360K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 10,284 | $534K |
| Short-term disability | MATRIX ABSENCE MANAGEMENT, INC | 0 | $1.9M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,123 | $347K |
| Stop-loss / reinsurancereinsurance(2 contracts) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 5,815 | $2.1M |
| Other(6 contracts, 5 carriers) | MATRIX ABSENCE MANAGEMENT, INC | 10,284 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,284 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.