| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BOULEVARD MEMPHIS, TN 38118 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $566K | $566K | 4.73% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $175K | $145K | $320K | 2.67% |
| VIZIENT INSURANCE SERVICES LLC3 | 290 E JOHN CARPENTER FWY IRVING, TX 75062 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $175K | — | $175K | 1.46% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.02% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE AGENCY, INC. | 500 DISTRICT AVENUE BURLINGTON, MA 01803 | METROPOLITAN GENERAL INSURANCE COMPANY | $50K | — | $50K | 10.20% |
| K N & A INC.3 Filed as: K N & A INC | 6720-B ROCKLEDGE DRIVE BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 76.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | MSC 17004 PO BOX 1447 LINCOLNSHIRE, IL 60069 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$1K | — | -$1K | -22.81% |
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 | 12,464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 342 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,806 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 15,770 | $910K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,047 | $12.0M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,047 | $12.0M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,047 | $12.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN GENERAL INSURANCE COMPANY | 14,267 | $580K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,770 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.