| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE, 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $80K | — | $80K | 1.00% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYSTEMS | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | AETNA LIFE INSURANCE CO. | $57K | $51K | $108K | 2.29% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 101 PARK AVE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | $65K | $98K | 3.12% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 101 PARK AVE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST., #940 CHICAGO, IL 60654 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $504 | — | $504 | 12.90% |
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 | 44,069 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 486 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,335 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 46,890 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7,808 | $66K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,622 | $420K |
| Vision | VISION SERVICE PLAN | 31,354 | $4.3M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 46,424 | $12.7M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34,337 | $3.2M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 46,424 | $13.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46,424 | — |
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.