| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NE 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $143K | — | $143K | 2.45% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES,INC. | 2 PIERCE PLACE ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 0.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60K | $60K | 5.40% |
| REWARDS PLUS OF AMERICAN INSURANCE3 | 4450 RIVER GREEN PKWY STE 100A DULUTH, GA 300968326 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | — | $33K | 5.83% |
| YOUDECIDE, INC.3 | 4450 RIVER GREEN PARKWAY SUITE 100-A DULUTH, GA 30096 | HYATT LEGAL PLANS | $21K | — | $21K | 10.21% |
| REWARDS PLUS OF AMERICAN INSURANCE3 Filed as: REWARDS PLUS OF AMERICA INSURANCE | 4450 RIVER GREEN PKWY STE 100A DULUTH, GA 300968326 | METROPOLITAN LIFE INSURANCE COMPANY | $571 | — | $571 | 7.42% |
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 | 11,021 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 613 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3,791 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 5,739 | $13.8M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF PENNSYLVANIA | 23,017 | $11.4M |
| Vision | VISION SERVICE PLAN | 7,900 | $1.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,243 | $5.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,052 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,052 | $1.1M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,243 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,017 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.