| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PARKWAY SUITE 650 DOWNERS GROVE, ID 60515 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $113K | $0 | $113K | 4.99% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PARKWAY SUITE 6 DOWNERS GROVE, IL 60515 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $71 | $0 | $71 | 5.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL EIN 22-1211670 NONE | Actuarial Service code 11 | — | $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 | 2,213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,468 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,681 | $2.3M |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,984 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,681 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.