| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BLVD. MEMPHSIS, TN 38118 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $139K | $139K | 6.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $72K | — | $72K | 3.50% |
| TRIHEALTH INC.5 | EDEN PARK DRIVE CINCINNATI, OH 45202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $50K | $50K | 2.43% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | $49K | $11K | $60K | 11.08% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH ST. STE., 900 PORTLAND, OR 97209 | SYMETRA LIFE INSURANCE COMPANY | — | $5K | $5K | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 EAST GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $70K | — | $70K | 20.00% |
| WORKFORCE BENEFIT SOLUTIONS, LLC3 | 4875 S. SHERWOOD FOREST BLVD. SUITE D BATON ROUGE, LA 708164640 | RELIASTAR LIFE INSURANCE COMPANY | — | $14K | $14K | 4.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 4990 EAST GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | EYEMED VISION CARE | $5K | — | $5K | 3.61% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 4990 EAST GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | EYEMED VISION CARE | $4K | — | $4K | 3.61% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 4990 EAST GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | EYEMED VISION CARE | $1K | — | $1K | 3.66% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 4990 EAST GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | EYEMED VISION CARE | $915 | — | $915 | 3.54% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 4990 EAST GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | EYEMED VISION CARE | $9 | — | $9 | 1.17% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 4990 EAST GALBRAITH RD. SUITE 102 CINCINNATI, OH 45236 | EYEMED VISION CARE | $13 | — | $13 | 3.52% |
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 | 6,060 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(6 contracts) | EYEMED VISION CARE | 4,306 | $323K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,837 | $2.6M |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,837 | $2.6M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,837 | $2.6M |
| Other(5 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,837 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,837 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.