| 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 | $137K | $261K | $399K | 2.90% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE NEW YORK, NY 10178 | VISION SERVICE PLAN | $59K | — | $59K | 1.32% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 101 PARK AVE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $58K | $87K | 3.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST., #940 CHICAGO, IL 60654 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $442 | — | $442 | 15.50% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 101 PARK AVE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $49 | $49 | 2.01% |
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 | 34,865 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 647 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6,444 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 41,956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 817 | $192K |
| Vision | VISION SERVICE PLAN | 29,720 | $4.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 42,305 | $13.7M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 36,581 | $2.8M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 42,305 | $13.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,305 | — |
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."
No prospect flags tripped on this filing.