| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 6.29% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 2.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $383 | $383 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 MED/WELLNESS FEES | Non-monetary compensation; Claims processing; Participant communication; Contract Administrator; Named fiduciary; Direct payment from the plan; Other services; Float revenue Service code 12 | — | $1.0M |
| LARKIN BENEFIT ADMINISTRATORS EIN 77-0563015 STD ADMIN | Claims processing; Contract Administrator Service code 12 | — | $79K |
| DELTA DENTAL OF COLORADO EIN 83-4416613 DEN ADMIN | Contract Administrator Service code 13 | — | $58K |
| WEXHEALTH EIN 06-1593514 FSA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $33K |
| COMPSYCH EIN 35-3739783 TPA | Claims processing; Contract Administrator Service code 12 | — | $0 |
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 | 2,029 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 466 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,174 | $156K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,029 | $1.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,029 | $1.1M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,029 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,029 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.