| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVERSAL BENEFIT SOLUTIONS3 Filed as: UNIVERSAL BENEFITS SOLUTIONS | 138 WASHAM ROAD MOORESVILLE, NC 28117 | PRUDENTIAL INSURANCE COMPANY | $301K | — | $301K | 3.44% |
| HARVARD PRINTING GROUP5 | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 070042327 | PRUDENTIAL INSURANCE COMPANY | — | $3K | $3K | 0.03% |
| HARVARD PRINTING GROUP5 | C/O NEWTEK BUSINESS CREDIT PO BOX 380 WEST HEMPSTEAD, NY 11552 | PRUDENTIAL INSURANCE COMPANY | — | $2K | $2K | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PICA | Shareholder servicing fees; Distribution (12b-1) fees Service code 59 | — | $22 |
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 | 67,356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 67,356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 61,832 | $20.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61,832 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.