| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENSUS BROKER DEALER SERVICES,LLC3 | 95 WELLS AVE, STE 160 SUITE 200 NEWTON, MA 02459 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $182K | — | $182K | 1.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTAL INSURANCE CO. EIN 22-1211670 NONE | Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $14.4M |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 NONE | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $3.1M |
| BSWIFT LLC EIN 36-4391310 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $653K |
| MERCER EIN 61-0736136 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $241K |
| PRUDENTIAL INSUARNCE CO. EIN 22-1211670 NONE | Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $165K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $42K |
| BAKER TILLY US, LLP EIN 39-0859910 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,755 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,755 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 2,933 | $102K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,067 | $18.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,067 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.