| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | PRUDENTIAL INSURANCE CO OF AMERICA | $70K | — | $70K | 1.56% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE CO OF AMERICA | $41K | — | $41K | 0.91% |
| JOHNSON INSURANCE SERVICES LLC5 Filed as: S.C. JOHNSON & SON INC. | 1525 HOWE ST RACINE, WI 53401 | PRUDENTIAL INSURANCE CO OF AMERICA | — | $7K | $7K | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | UNITED HEALTHCARE INSURANCE COMPANY | $42K | — | $42K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE CO OF AMERICA EIN 22-1211670 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $214K |
| ALLSUP CLAIMS PROCESSOR | Claims processing Service code 12 | 300 ALLSUP PL BELLEVILLE, IL 62223 | $23K |
| UNIVERSITY OF LOUISVILLE CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | 2211 S BROOK ST LOUISVILLE, KY 40208 | $9K |
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 | 2,924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,600 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 101 | $425K |
| Dental(2 contracts, 2 carriers) | CARE-PLUS DENTAL PLANS, INC. | 1,501 | $1.0M |
| Life insurance | PRUDENTIAL INSURANCE CO OF AMERICA | 11,044 | $4.5M |
| Long-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 11,044 | $4.5M |
| Other(3 contracts, 3 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 2,931 | $585K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,044 | — |
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.