| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC | PO BOX 101162 PASADENA, CA 91189 | PRUDENTIAL INSURANCE CO OF AMERICA | $94K | — | $94K | 2.18% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE CO OF AMERICA | $60K | — | $60K | 1.39% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 9.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE CO OF AMERICA EIN 22-1211670 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $141K |
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 | 3,049 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,978 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,027 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 7,382 | $2.7M |
| Dental(2 contracts, 2 carriers) | CARE-PLUS DENTAL PLANS, INC. | 1,610 | $1.1M |
| Life insurance | PRUDENTIAL INSURANCE CO OF AMERICA | 10,837 | $4.3M |
| Long-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 10,837 | $4.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF WISCONSIN | 1,002 | $66K |
| Other(3 contracts, 3 carriers) | ARAG INSURANCE COMPANY | 2,810 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,837 | — |
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.