| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OH | 93245 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $189K | — | $189K | 2.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | PO BOX 100003 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 0.88% |
| EVEREST FUNERAL PACKAGE LLC5 | 1300 POST OAK BLVD SUITE1210 HOUSTON, TX 77056 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 0.11% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVE OF AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CIGNA PROVIDES CLAIM ADMI | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $474K |
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 | 20,930 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 20,930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,312 | $592K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $8.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $8.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $8.1M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,312 | $722K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,312 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.