| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 350 CONSHOCHOCKEN, PA 19423 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $634K | — | $634K | 2.09% |
| TENCODE BENEFITS LLC5 | 2951 DALLAS PARKWAY SUITE 203 FRISCO, TX 75034 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $245K | $245K | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 350 CONSHOHOCKEN, PA 19423 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $150K | — | $150K | 0.49% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $24K | $24K | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEDGWICK CMS INC. EIN 36-2685608 CONTRACT ADMINISTRATOR | Direct payment from the plan; Claims processing; Recordkeeping fees; Account maintenance fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $6.9M |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $2.1M |
| ASCENSION HEALTHCARE EIN 31-1662309 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $1.1M |
| TELUS HEALTH EIN 83-3722019 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $590K |
| VISION SERVICE PLAN EIN 36-3560825 CONTRACT ADMINISTRATOR | Recordkeeping fees; Direct payment from the plan; Contract Administrator; Claims processing; Account maintenance fees Service code 12 | — | $570K |
| LIFEWORKS EIN 52-1883918 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $544K |
| ASCENSION WI EMPLOYER SOLUTIONS EAP EIN 39-1791586 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $239K |
| GREENSFELDER, HEMKER, & GALE, PC EIN 43-1313567 LEGAL | Legal; Direct payment from the plan Service code 29 | — | $206K |
| LOOMIS SAYLES & CO, L.P. EIN 04-3200030 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $124K |
| NORTHERN TRUST EIN 36-1561860 TRUSTEE | Recordkeeping fees; Trustee (directed); Account maintenance fees Service code 25 | — | $73K |
| AON CONSULTING EIN 22-2232264 CONSULTING | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $66K |
| CLIFTONLARSONALLEN, LLP EIN 41-0746749 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $56K |
| WESTERN ASSET MGMT CO. EIN 52-1200960 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $55K |
| BLACKROCK INSTITUTIONAL TRUST CO EIN 94-3112180 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan Service code 28 | — | $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 | 110,624 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 301 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110,925 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 110,625 | $39.8M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110,625 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.