| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | STE 1800 901 MARQUETTE AVE MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $30K | $30K | 3.00% |
| IBENEFIT COMMUNICATION LLC5 | SUITE 210 6230 FAIRVIEW RD CHARLOTTE, NC 28210 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 0.85% |
| IBENEFIT COMMUNICATION LLC3 | SUITE 400 6230 FAIRVIEW RD CHARLOTTE, NC 28210 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 0.59% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.13% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $302 | $302 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | STE 700 80 SOUTH 8TH ST MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | -$215 | — | -$215 | -0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | SERVICES, INC. 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 554023212 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 4.23% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $567 | — | $567 | 0.62% |
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 | 1,412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 79 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,816 | $1.1M |
| Vision | VISION SERVICE PLAN | 967 | $92K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,816 | $1.0M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,816 | $1.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,816 | $1.0M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,816 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,816 | — |
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."
No prospect flags tripped on this filing.