| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| US ACUTE CARE SOLUTIONS5 | 4535 DRESSLER ROAD NORTHWEST CANTON, OH 44618 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $50K | $50K | 1.28% |
| INTERCROWD LLC5 | 8927 HYPOLUXO ROAD, SUITE A-4-330 LAKE WORTH, FL 33467 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.06% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE, UNA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.03% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON COMP | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72K | $13K | $85K | 15.59% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC | 1660 WEST 2ND STREET, SUITE 650 CLEVELAND, OH 44113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | $5K | $65K | 11.96% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73 | $7 | $80 | 0.01% |
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 | 3,050 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC | 3,050 | $59K |
| Vision | VISION SERVICE PLAN | 2,019 | $304K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,050 | $3.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,050 | $3.9M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,050 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,050 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.