| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS LLC | SUITE 1000 325 CHESTNUT ST PHILADELPHIA, PA 19106 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 27.32% |
| IMG3 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $41 | $41 | 0.15% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS LLC | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 86.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $74K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $57K |
| PATRIOT (EXUDE, INC.) EIN 23-2859145 BROKER | Insurance agents and brokers Service code 22 | — | $57K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $17K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $9K |
| COMPSYCH EIN 35-3739783 ADMIN | Claims processing Service code 12 | — | $3K |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 183 | $12K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 186 | $36K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 164 | $28K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 164 | $51K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 142 | $530K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 186 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.