| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $342K | — | $342K | 3.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018156 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 0.54% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $108K | — | $108K | 9.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018156 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 1.43% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & CO | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $145K | — | $145K | 15.00% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & CO | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $42K | — | $42K | 15.00% |
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 | 32,921 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 888 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 33,809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE | 18,760 | $3.8M |
| Life insurance(4 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 30,746 | $13.8M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 38,426 | $22.0M |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 29,213 | $14.2M |
| Other(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 33,221 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,426 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.