| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6TH FLOOR 701B STREET SAN DIEGO, CA 921018156 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $91K | — | $91K | 1.26% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | 3565 PIEDMONT ROAD, SUITE 700 BLDG. 1 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $81K | — | $81K | 15.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 3565 PIEDMONT ROAD SUITE 600 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.00% |
No Schedule C service providers reported on this filing.
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 | 12,202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11,727 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,240 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | NETWORK HEALTH INC. | 463 | $17.1M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 428 | $1.1M |
| Vision | EYEMED VISION CARE | 8,396 | $1.1M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 23,508 | $10.4M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,326 | $7.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,326 | $7.3M |
| Other(3 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 23,508 | $11.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,508 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.