| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $218K | $0 | $218K | 14.27% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.10% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE AND BENEFITS SERVICES | 126 NORTH SALINA STREET SUITE 600 SYRACUSE, NY 13202 | THE LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $27K | $0 | $27K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | SUN LIFE AND HEALTH INSURANCE COMPANY | $17K | $0 | $17K | 8.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4955 NORTH BAILEY AVENUE SUITE 213 AMHERST, NY 14226 | SUN LIFE AND HEALTH INSURANCE COMPANY | $0 | $8K | $8K | 4.07% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE AND BENEFITS SERVICES | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | SUN LIFE AND HEALTH INSURANCE COMPANY | $15K | $0 | $15K | 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 | 4,804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,788 | $1.5M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 4,217 | $694K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,788 | $1.5M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,788 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,788 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.