| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.03% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $186 | $186 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Contract Administrator; Other services Service code 12 | — | $3.8M |
| VITALITY EIN 45-0644624 NONE | Other services Service code 49 | — | $818K |
| PREMISE HEALTH EMPLOYER SOLUTIONS EIN 23-3057155 NONE | Other services Service code 49 | — | $226K |
| UNITED BEHAVIORAL HEALTH DBA OPTUM EIN 94-2649097 NONE | Claims processing; Contract Administrator Service code 12 | — | $184K |
| OPTUMHEALTH BANK EIN 47-0858534 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $176K |
| ERNST & YOUNG EIN 34-6565596 NONE | Consulting (general) Service code 16 | — | $141K |
| LIFE INSURANCE CO OF NORTH AMERICA EIN 23-1503749 NONE | Contract Administrator Service code 13 | — | $117K |
| MERCER EIN 13-2834414 NONE | Consulting (general) Service code 16 | — | $61K |
| WILLIS TOWERS WATSON EIN 23-1159360 NONE | Consulting (general) Service code 16 | — | $44K |
| WALGREENS EIN 36-1924025 NONE | Other services Service code 49 | — | $34K |
| QUEST DIAGNOSTICS EIN 38-2084239 NONE | Other services Service code 49 | — | $20K |
| CLARK,SCHAEFER,HACKETT & CO EIN 31-0800053 NONE | Accounting (including auditing) Service code 10 | — | $19K |
| AMERICAN HEART ASSOCIATION EIN 13-5613797 NONE | Direct payment from the plan Service code 50 | — | $17K |
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 | 6,530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 331 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICES ASSOCIATION | 123 | $490K |
| Dental | DELTA DENTAL OF OHIO | 13,010 | $5.0M |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 10,934 | $850K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,772 | $4.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,530 | $1.4M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 123 | $232K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,772 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,010 | — |
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."
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.