| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 3.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL LIFE INSURANCE EIN 22-1211670 NONE | Insurance mortality and expense charge; Investment management fees paid directly by plan Service code 51 | — | $2.6M |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Investment management fees paid directly by plan; Claims processing; Actuarial Service code 11 | — | $197K |
| WEX EIN 01-0526993 NONE | Claims processing Service code 12 | — | $60K |
| SCHNEIDERS DOWNS & CO., INC. EIN 25-1408703 NONE | Accounting (including auditing) Service code 10 | — | $39K |
| JP MORGAN CHASE BANK, NA EIN 13-4994650 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $17K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,349 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,673 | $2.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,673 | $593K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,673 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.