| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC. 101 PARK AVE NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $42K | $152K | $194K | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HARTFORD LIFE AND ACCIDENT | $69K | $112K | $180K | 1.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $38K | $57K | 1.66% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC. 101 PARK AVE NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $32K | $48K | 1.39% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC. 101 PARK AVE NEW YORK, NY 10178 | CONTINENTAL AMERICAN INSURANCE COMPANY | $527K | $0 | $527K | 19.98% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | VISION SERVICE PLAN | $9K | $0 | $9K | 0.72% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $6K | $0 | $6K | 0.45% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC. 101 PARK AVE NEW YORK, NY 10178 | ARAG INSURANCE COMPANY | $34K | $0 | $34K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | 600 UNIVERSITY ST SUITE 3100 SEATTLE, WA 98101 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | $2K | $0 | $2K | 10.00% |
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 | 18,726 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 145 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $38K |
| Vision | VISION SERVICE PLAN | 7,269 | $1.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 22,401 | $10.2M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 17,542 | $3.4M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 22,401 | $13.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,401 | — |
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."
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.