| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | SYSTEMS, INC. 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $253K | — | $253K | 8.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY (G1728) EIN 31-1440175 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $1.5M |
| MEDCO HEALTH SOLUTIONS, INC EIN 22-3461740 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $327K |
| COMMUNITY INSURANCE COMPANY | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $125K |
| EYEMED VISION CARE EIN 31-1656473 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $17K |
| MERCER HEALTH & BENEFITS LLC NONE | Other commissions; Non-monetary compensation; Insurance agents and brokers Service code 22 | 4585 PAYSHERE CIRCLE CHICAGO, IL 60674 | $10K |
| US BANK-CUSTODIAL FEES NONE | Consulting (general); Direct payment from the plan Service code 16 | 800 NICOLLET MALL MINNEAPOLIS, MN 55402 | $7K |
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 | 2,572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,831 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 3,026 | $255K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,403 | $3.0M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 2,770 | $1.3M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,403 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,403 | — |
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.