| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $301K | — | $301K | 1.66% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE SOUTH 6TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL | $5K | — | $5K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | PO BOX 3716 6TH FLOOR NORFOLK, VA 235143716 | PRUDENTIAL | $829 | — | $829 | 1.61% |
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 | 34,118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 34,118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts) | PRUDENTIAL | 31,014 | $18.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,014 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.