| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SURVIVOR OUTREACH SERVICES5 Filed as: SURVIVOR OUTREACH SERVICES, LLC | 6800 BISHOP ROAD SUITE 220 PLANO, TX 750244275 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $271K | $271K | — |
| FRED MAXWELL II3 | ACIUS GROUP SUITE 203, 2591 DALLAS PARKWAY FRISCO, TX 75034 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $150K | — | $150K | — |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $49K | $49K | — |
| THE HARTY PRESS INC.5 Filed as: THE HARTY PRESS INC | 25 JAMES STREET PO BOX 324 NEW HAVEN, CT 06513 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | — |
| HATTERAS5 | 56 PARK ROAD TINTON FALLS, NJ 07724 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $2.3M |
| LIFEWORKS EIN 81-1114266 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.6M |
| ASCENSION HEALTHCARE EIN 31-1662309 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $1.5M |
| SEDGWICK CMS EIN 36-2685608 CONTRACT ADMINISTRATOR | Recordkeeping fees; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Account maintenance fees Service code 12 | — | $1.3M |
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Other services; Contract Administrator; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $1.1M |
| VISION SERVICE PLAN EIN 36-3560825 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Recordkeeping fees; Claims processing; Account maintenance fees Service code 12 | — | $634K |
| AMG EMPLOYER SOLUTIONS EIN 39-1127163 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $437K |
| GREENSFELDER, HEMKER & GALE, PC EIN 43-1313567 LEGAL | Legal; Direct payment from the plan Service code 29 | — | $394K |
| WESTERN ASSET MGMT CO. EIN 95-2705767 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan Service code 28 | — | $96K |
| THE JELLYVISION LAB, INC EIN 36-4442819 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $90K |
| RMB CAPITAL MANAGEMENT LLC EIN 59-3792751 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan Service code 28 | — | $88K |
| AON CONSULTING EIN 22-2232264 CONSULTING | Copying and duplicating; Direct payment from the plan; Consulting (general) Service code 16 | — | $65K |
| LOOMIS SAYLES EIN 04-3200030 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $62K |
| TOWERS WATSON DELAWARE, INC. EIN 53-0181291 CONSULTING | Non-monetary compensation; Actuarial; Plan Administrator Service code 11 | — | $55K |
| NORTHERN TRUST EIN 36-1561860 TRUSTEE/CUSTODIAN | Recordkeeping fees; Account maintenance fees; Trustee (directed) Service code 25 | — | $45K |
| CLIFTON LARSON ALLEN EIN 41-0746749 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $44K |
| HRSOFT USA, INC EIN 01-0560270 OTHER SERVICES | Other services Service code 49 | — | $15K |
| BLACKROCK INSTITUTIONAL TRUST CO EIN 94-3112180 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan Service code 28 | — | $11K |
| TARGETED COMMUNICATIONS EIN 20-8314566 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $11K |
| CONDUENT INC EIN 81-2983623 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $7K |
| CREATIVE DESIGN & WRITING SOLUTIONS EIN 47-3231431 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $7K |
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 | 112,357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,752 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 114,109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 125,579 | $8.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 476 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125,579 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.