| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NE 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $120K | $0 | $120K | 2.07% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.03% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $24K | $24K | 1.68% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $37K | $37K | 3.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 650 MARKET STREET PHILADELPHIA, PA 19103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | -$453 | -$453 | -0.04% |
| REWARDS PLUS OF AMERICAN INSURANCE3 Filed as: REWARDS PLUS OF AMERICA INSURANCE A | 4450 RIVER GREEN PKWY STE 100A DULUTH, GA 300968326 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $0 | $38K | 7.23% |
| YOUDECIDE, INC.3 | 4450 RIVER GREEN PARKWAY SUITE 100-A DULUTH, GA 30096 | METLIFE LEGAL PLANS | $25K | $0 | $25K | 10.22% |
| REWARDS PLUS OF AMERICAN INSURANCE3 | 4450 RIVER GREEN PKWY STE 100A DULUTH, GA 300968326 | METROPOLITAN LIFE INSURANCE COMPANY | $396 | $0 | $396 | 6.63% |
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 | 10,179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,654 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 5,152 | $6.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 17,475 | $7.6M |
| Vision | VISION SERVICE PLAN | 6,600 | $1.4M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 11,734 | $5.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,450 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,450 | $1.5M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 11,734 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,475 | — |
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."
No prospect flags tripped on this filing.