| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | PO BOX 632886 CINCINNATI, OH 45263 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| COMPSYCH5 | 130 E. RANDOLPH STREET, SUITE 700 CHICAGO, IL 60601 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 10.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADMINISTRATIVE SERVICE PROFESSIONAL EIN 20-4056745 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 15 | — | $2.9M |
| BANNER RIDGE PARTNERS, LP NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 641 LEXINGTON AVE., 18TH FLOOR NEW YORK, NY 10022 | $2.8M |
| SIGULER GUFF ADVISERS, LLC EIN 13-3855629 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $1.1M |
| TOCQUEVILLE ASSET MANAGEMENT EIN 13-3547557 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $1.0M |
| FRED ALGER MANAGEMENT, INC. EIN 13-2510833 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $918K |
| BOSTON PARTNERS EIN 98-0202744 NONE | Investment management fees paid directly by plan; Other investment fees and expenses; Investment management fees paid indirectly by plan; Securities brokerage commissions and fees; Investment management Service code 28 | — | $766K |
| NB ALTERNATIVE ADVISERS, LLC EIN 82-2900910 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $662K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $561K |
| STEVENS & LEE EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $494K |
| GOODWIN CAPITAL ADVISERS, INC. EIN 13-5155720 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $463K |
| ALLIANCE BERNSTEIN, LP EIN 13-4064930 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $332K |
| MILLMAN USA EIN 91-0675641 NONE | Consulting (pension); Direct payment from the plan; Actuarial Service code 11 | — | $266K |
| DCM PRIVATE EQUITY FUND EIN 46-4371817 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $252K |
| MARKOWITZ & RICHMAN EIN 23-2111581 NONE | Legal; Direct payment from the plan Service code 29 | — | $240K |
| WITHUM SMITH & BROWN EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $170K |
| PNC BANK EIN 22-1146430 NONE | Direct payment from the plan; Custodial (securities); Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $133K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $85K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $73K |
| SS&C TECHNOLOGIES, INC. EIN 06-1169696 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $68K |
| THE BERWYN GROUP EIN 34-1672337 NONE | Direct payment from the plan; Consulting (pension) Service code 17 | — | $48K |
| WASHINGTON CAPITAL MANAGEMENT, INC. EIN 91-1042342 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $30K |
| MELLON CAPITAL MANAGEMENT EIN 25-1442864 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $29K |
| LAPLAYA BEACH & GOLF RESORT NONE | Direct payment from the plan; Other services Service code 49 | 9891 GULF SHORE DR NAPLES, FL 34108 | $26K |
| DUPONT CAPITAL MANAGEMENT CORP. EIN 51-0350197 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $25K |
| WILLIAM J. EINHORN EIN 23-1511735 PLAN TRUSTEE | Trustee (individual); Named fiduciary; Direct payment from the plan Service code 20 | — | $23K |
| ZELIS PAYMENTS HOLDINGS, LLC NONE | Direct payment from the plan; Other services Service code 49 | 149 NEWBURY STREET, 5TH FLOOR BOSTON, MA 02116 | $12K |
| GLASS LEWIS & CO., INC. EIN 04-3737021 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $9K |
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 | 7,961 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,132 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,312 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 3,195 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 24,600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 223 | $16K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 223 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.