| 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 | $132K | $324K | $456K | 3.69% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE NEW YORK, NY 10178 | VISION SERVICE PLAN | $76K | — | $76K | 1.95% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 101 PARK AVE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $53K | $80K | 3.10% |
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 | 26,452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 211 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 305 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,968 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE-S SALUD, INC | 3 | $116K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 393 | $249K |
| Vision | VISION SERVICE PLAN | 20,210 | $3.9M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 64,808 | $12.5M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 35,744 | $2.6M |
| Prescription drug | TRIPLE-S SALUD, INC | 3 | $116K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 64,808 | $12.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64,808 | — |
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.