| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIMS MANAGEMENT SVCS. | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 38118 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3.7M | $3.7M | 18.04% |
| SURVIVOR OUTREACH SERVICES5 Filed as: SURVIVOR OUTREACH SERVICES, LLC | 2591 DALLAS PARKWAY, SUITE 203 FRISCO, TX 75034 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $767K | $767K | 3.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $259K | — | $259K | 1.25% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 0.05% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMOND, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $953K | — | $953K | 20.82% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $229K | $229K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. (MD) | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | $16 | $16 | 0.00% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMOND, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $481K | — | $481K | 36.15% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $67K | $67K | 5.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $89K | $4K | $93K | 10.54% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 080371363 | METLIFE LEGAL PLANS | — | $12K | $12K | 1.38% |
| BENEPLACE, INC.3 Filed as: BENEPLACE | P.O. BOX 203550 AUSTIN, TX 78720 | METLIFE LEGAL PLANS | — | $6 | $6 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 58,072 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 252 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 58,324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 5,898 | $75.9M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 13,333 | $5.6M |
| Vision | VISION SERVICE PLAN | 33,153 | $5.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 52,928 | $20.6M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 52,928 | $20.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 52,928 | $20.6M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 598 | $4.1M |
| Other(8 contracts, 6 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 58,072 | $33.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 58,072 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.