| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST SUITE 1700 BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $199K | — | $199K | 4.85% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56K | — | $56K | 3.25% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | DBA CORESTREAM 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $9K | — | $9K | 10.11% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | DBA CORESTREAM 5100 TAMIAMI TRAIL, SUITE 103 NAPLES, FL 34103 | METLIFE LEGAL PLANS | $2K | — | $2K | 2.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ACE AMERICAN INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | MANHATTANLIFE | $782 | — | $782 | 3.02% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVE SUITE 300 NAPLES, FL 34104 | MANHATTANLIFE | $770 | — | $770 | 2.97% |
No Schedule C service providers reported on this filing.
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 | 6,860 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 65 | $253K |
| Dental | AETNA LIFE INSURANCE COMPANY | 65 | $253K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,028 | $883K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,860 | $4.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,227 | $1.7M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,860 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,860 | — |
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."
No prospect flags tripped on this filing.