| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES PEARL3 | 5503 NW CLUB HOUSE CV PARKVILLE, MO 641523207 | METROPOLITAN LIFE INSURANCE COMPANY | $208 | — | $208 | 0.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC C/O COMMERCE | PO BOX 843844 KANSAS CITY, MO 641843844 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 105.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 1200 2100 ROSS AVENUE DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.58% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 15.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMWINS CONTRACT ADMIN | Contract Administrator; Direct payment from the plan Service code 13 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | $13K |
| WEBTPA EIN 75-2611444 NONE | Other fees Service code 99 | — | $6K |
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 | 16,309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $61K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 16,309 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,309 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.