| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN STRATEGIC NON-MEDICAL | SOLUTIONS, LLC 1 BEACON ST, STE 1700 BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1.3M | $1.3M | 7.16% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN STRATEGIC NON-MEDICAL | SOLUTIONS, LLC 1 BEACON ST, STE 1700 BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $713K | $713K | 3.85% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN STRATEGIC NON-MEDICAL | SOLUTIONS, LLC 1 BEACON ST., STE 1700 BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $38K | $38K | 0.35% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $482K | — | $482K | 13.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN STRATEGIC NON-MEDICAL | SOLUTIONS, LLC 1 BEACON ST, SUITE 1700 BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.22% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN STRATEGIC NON-MEDICAL | SOLUTIONS, LLC 1 BEACON ST, STE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $28K | $6K | $34K | 18.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PICA EIN 22-1211670 CONTRACT ADMINISTRATOR | Shareholder servicing fees; Contract Administrator Service code 13 | — | $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 | 79,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7,533 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 86,692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 77,483 | $6.4M |
| Life insurance(5 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 88,311 | $53.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,007 | $351K |
| Other(6 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 96,402 | $18.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96,402 | — |
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.