| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE CO OF AMERICA | $158K | — | $158K | 3.63% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | UNITED HEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 10.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE CO OF AMERICA EIN 22-1211670 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $155K |
| UNIVERSITY OF LOUISVILLE CLAIMS PROCESSOR | Contract Administrator Service code 13 | 2211 S BROOK ST LOUISVILLE, KY 40208 | $9K |
| MCMC LLC CLAIMS PROCESSOR | Contract Administrator Service code 13 | P.O. BOX 809302 CHICAGO, IL 606809302 | $5K |
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 | 2,957 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,711 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 61 | $302K |
| Dental(2 contracts, 2 carriers) | CARE-PLUS DENTAL PLANS, INC. | 1,504 | $1.0M |
| Life insurance | PRUDENTIAL INSURANCE CO OF AMERICA | 11,017 | $4.4M |
| Long-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 11,017 | $4.4M |
| Other(3 contracts, 3 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 2,810 | $688K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,017 | — |
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.