| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | 1 SEAGATE STE 2050 TOLEDO, OH 436041558 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $30 | $7K | 1.67% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | LOCKBOX 100485 BANC ONE DEPT 100485 PASADENA, CA 911690485 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.48% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | LOCKBOX 100485 BANC ONE DEPT 100485 PASADENA, CA 911890485 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.50% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | LOCKBOX 100485 BANC ONE DEPT 100485 PASADENA, CA 911890485 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $536 | $0 | $536 | 0.45% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES INC | 1 SEAGATE STE 2050 TOLEDO, OH 43604 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.42% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | LOCKBOX 100485 BANC ONE DEPT 100485 PASADENA, CA 911890485 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $207 | $0 | $207 | 0.50% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $884 | $0 | $884 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | LOCKBOX 100485 BANC ONE DEPT 100485 PASADENA, CA 911890458 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $44 | $0 | $44 | 0.50% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY | ONE SEAGATE SUITE 2050 TOLEDO, OH 43604 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $703 | $0 | $703 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | LOCKBOX 100485 BANC ONE DEPT 100485 PASADENA, CA 911890485 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $35 | $0 | $35 | 0.50% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $313 | $313 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 ADMINISTRATION | Contract Administrator Service code 13 | P.O. BOX 7639 PHILADELPHIA, PA 19176 | $25K |
| COMPSYCH C/0 PRUDENTIAL INSURANCE EIN 35-3739783 ADMINISTRATION | Contract Administrator Service code 13 | P.O. BOX 7639 PHILADELPHIA, PA 19176 | $0 |
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 | 861 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,685 | $459K |
| Vision | VISION SERVICE PLAN | 508 | $105K |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 872 | $168K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 726 | $206K |
| Other(6 contracts, 2 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 872 | $461K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,685 | — |
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.