| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVEREST FUNERAL PACKAGE LLC5 | 1300 POST OAK BLVD., SUITE 1210 HOUSTON, TX 770563163 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $25K | $25K | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE EIN 35-0781558 PARTY-IN-INTEREST | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $3.6M |
| UNITED HEALTHCARE EIN 36-2739571 PARTY-IN-INTEREST | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.7M |
| AETNA EIN 06-6033492 PARTY-IN-INTEREST | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | — | $1.1M |
| MVP SELECT CARE EIN 14-1704347 PARTY-IN-INTEREST | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | — | $760K |
| UNITED BEHAVIORAL HEALTH DBA OPTUM EIN 94-2649097 PARTY-IN-INTEREST | Other services; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $723K |
| METROPOLITAN LIFE EIN 13-5581829 PARTY-IN-INTEREST | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $419K |
| CVS CAREMARK EIN 20-8404182 PARTY-IN-INTEREST | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $300K |
| HPAI EIN 41-1693838 PARTY-IN-INTEREST | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $35K |
| ISLAND PEER REVIEW ORGANIZATION INC EIN 11-2662689 PARTY-IN-INTEREST | Other services Service code 49 | — | $13K |
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 | 37,326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117,210 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,773 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159,309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 13 carriers) | KAISER PERMANENTE - NO. CAL. | 434 | $9.1M |
| Dental | CIGNA DENTAL HEALTH | 1,642 | $1.4M |
| Vision | ANTHEM INSURANCE COMPANIES | 31,491 | $2.1M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 111,698 | $16.1M |
| Prescription drug | AETNA - RHA | 15,409 | $25.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111,698 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.