| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIMS MANAGEMENT SEV, INC | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 15233 | PRUDENTIAL | — | $560K | $560K | 6.65% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SERV. LLC | 200 SEAPORT BLVD BOSTON, MA 02210 | METLIFE | $36K | — | $36K | 7.66% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SERV. LLC | 200 SEAPORT BLVD BOSTON, MA 02210 | METLIFE | $39K | — | $39K | 14.08% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SERV. LLC | 200 SEAPORT BLVD BOSTON, MA 02210 | METLIFE | $28K | — | $28K | 13.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL EIN 22-1211670 ADMIN FEES | Contract Administrator; Claims processing; Other fees; Other insurance fees and expenses Service code 12 | — | $804K |
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 | 10,608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 108 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METLIFE | 4,420 | $964K |
| Dental | ALPHA DENTAL PROGRAMS, INC. | 1,669 | $270K |
| Vision | EYEMED VISION SERVICE PLAN | 12,279 | $724K |
| Short-term disability | PRUDENTIAL | 10,608 | $8.4M |
| Long-term disability | PRUDENTIAL | 10,608 | $8.4M |
| Other(3 contracts, 2 carriers) | PRUDENTIAL | 10,608 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,279 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.