| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEWPORT GROUP SECURITIES, INC.3 | 300 INTERNATIONAL PARKWAY SUITE 270 HEATHROW, FL 32746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $250K | — | $250K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | LLC SUITE 635, 21300 VICTORY BLVD WOODLAND HILLS, CA 91367 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $296K | — | $296K | 2.50% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $101 | $101 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 NONE | Investment management; Direct payment from the plan Service code 28 | — | $12.8M |
| AON HEWITT EIN 36-2235791 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment management; Other fees; Actuarial Service code 11 | — | $8.1M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $3.1M |
| MERCER INVESTMENT CONSULTING EIN 61-0736136 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $45K |
| NORTHERN TRUST COMPANY EIN 36-1561880 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $14K |
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 | 7 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,703 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6,211 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,921 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE CO.,INC. | 5,173 | $3.5M |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,558 | $41.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,558 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.