| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 75320 | SUN LIFE AND HEALTH INSURANCE COMPANY | $15K | $0 | $15K | 1.32% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | SUN LIFE AND HEALTH INSURANCE COMPANY | $11K | $0 | $11K | 1.01% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | SUN LIFE AND HEALTH INSURANCE COMPANY | $541 | $0 | $541 | 8.46% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | SUN LIFE AND HEALTH INSURANCE COMPANY | $339 | $0 | $339 | 5.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| M. SCADUTO EIN 11-2001170 EMPLOYEE OF THE EMPLOYE | Employee (plan); Direct payment from the plan Service code 30 | — | $27K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. NONE | Consulting (general) Service code 16 | 300 SOUTH LENOLA ROAD MAPLE SHADE, NJ 08052 | $14K |
| PKF O'CONNOR DAVIES, LLP EIN 27-1728945 NONE | Accounting (including auditing); Consulting (general) Service code 10 | — | $14K |
| JONES DAY EIN 34-0319085 NONE | Legal Service code 29 | — | $5K |
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 | 8,040 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 7,986 | $1.1M |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 12 | $6K |
| Other(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 7,986 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,986 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.