| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $160 | $160 | 0.03% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $25 | $25 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS LIFE INS AGENCY OF OHIO INC | PO BOX 93245 CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 75 EAST SANTA CLARA STREET SUITE 1450 SAN JOSE, CA 95113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$20K | — | -$20K | -54.70% |
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 | 939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,484 | $5.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,091 | $531K |
| Vision | VISION SERVICE PLAN | 709 | $123K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 956 | $501K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 956 | $501K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 956 | $501K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 1,484 | $5.8M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 956 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,091 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.