| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $176K | — | $176K | 1.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASEDENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $49K | — | $49K | 0.54% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 UNIT C2 MANASQUAN, NJ 08736 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 0.39% |
| EVERST FUNERAL PACKAGE LLC3 | 1300 POST OAK BLVD. SUITE 1210 HOUSTON, TX 77056 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 0.11% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE. SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 0.08% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE. CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $135 | — | $135 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVE OF AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CIGNA PROVIDES CLAIM ADMI | Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | — | $560K |
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 | 23,577 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 23,577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 0 | $664K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,638 | $683K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $9.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $9.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $9.1M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,638 | $683K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,638 | — |
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.