| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED MAXWELL II3 | ACIUS GROUP SUITE 203, 2591 DALLAS PARKWAY FRISCO, TX 75034 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $150K | — | $150K | 0.54% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $20K | $20K | 0.07% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $1.9M |
| SEDGWICK CMS INC. EIN 36-2685608 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Account maintenance fees; Recordkeeping fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.4M |
| MORNEAU SHEPELL EIN 52-1883918 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.1M |
| ASCENSION HEALTHCARE EIN 31-1662309 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $1.1M |
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication Service code 12 | — | $839K |
| VISION SERVICE PLAN EIN 36-3560825 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Recordkeeping fees; Account maintenance fees; Direct payment from the plan Service code 12 | — | $574K |
| ASCENSION EMPLOYER SOLUTIONS EAP EIN 39-1127163 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $287K |
| GREENSFELDER, HEMKER, & GALE, PC EIN 43-1313567 LEGAL | Legal; Direct payment from the plan Service code 29 | — | $121K |
| NORTHERN TRUST EIN 36-1561860 TRUSTEE | Account maintenance fees; Trustee (directed); Recordkeeping fees Service code 25 | — | $97K |
| WESTERN ASSET MGMT CO. EIN 52-1200960 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $84K |
| CLIFTONLARSONALLEN, LLP EIN 41-0746749 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $76K |
| LOOMIS SAYLES & CO, L.P. EIN 04-3200030 INVESTMENT MANAGER | Investment management fees paid directly by plan Service code 51 | — | $62K |
| CREATIVE DESIGN & WRITING SOLUTIONS EIN 47-3231431 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $44K |
| AON CONSULTING EIN 22-2232264 PRINTING/CONSULTING | Direct payment from the plan; Consulting (general); Copying and duplicating; Actuarial Service code 11 | — | $33K |
| EAGLE CAPITAL MGMT LLC EIN 22-3361201 INVESTMENT MANAGER | Investment management; Soft dollars commissions Service code 28 | — | $32K |
| HRSOFT USA, INC EIN 01-0560270 OTHER SERVICES | Other services Service code 49 | — | $15K |
| TARGETED COMMUNICATIONS INC. EIN 20-8314566 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $14K |
| BLACKCROCK INSTITUTIONAL TRUST CO EIN 94-3112180 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $8K |
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 | 111,040 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,471 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 112,511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 111,040 | $36.3M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 481 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111,040 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.