| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $34K | $33K | $67K | 19.75% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $179 | $179 | 0.05% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 5.72% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | VISION SERVICE PLAN | $5K | $0 | $5K | 9.88% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $290 | $0 | $290 | 0.56% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | ZURICH AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 17.90% |
| HOORAY HEALTH LLC3 Filed as: HOORAY HEALTH, LLC | 14755 PRESTON ROAD, SUITE 130 DALLAS, TX 75254 | ZURICH AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.60% |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ZURICH AMERICAN INSURANCE COMPANY | 21 | $16K |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 798 | $242K |
| Vision | VISION SERVICE PLAN | 414 | $52K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 995 | $337K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 995 | $337K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 995 | $337K |
| Prescription drug | ZURICH AMERICAN INSURANCE COMPANY | 21 | $16K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 995 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 995 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.