| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | 950 E. PACES FERRY ROAD, NE STE 2000 ATLANTA, GA 30326 | UNITEDHEALTHCARE OF WISCONSIN, INC. | $13K | — | $13K | 1.64% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | 950 E. PACES FERRY ROAD, NE SUITE 2000 ATLANTA, GA 30326 | UNITED HEALTHCARE OF WISCONSIN, INC. | $7K | — | $7K | 1.63% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | 950 EAST PACES FERRY RD STE 2000 ATLANTA, GA 30326 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 3.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES, INC | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | HCC LIFE INSURANCE COMPANY | $30K | — | $30K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES, INC | 2111 EAST HIGHLAND AVENUE SUIE B210 PHOENIX, AZ 85016 | HCC LIFE INSURANCE COMPANY | — | $8K | $8K | 4.25% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN INC. | 950 EAST PACES FERRY RD NE STE 2000 ATLANTA, GA 30309 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 20.00% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH, INC. | 300 CORPORATE PARKWAY AMHERST, NY 14226 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.71% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | 950 E. PACES FERRY ROAD STE 2000 ATLANTA, GA 30326 | UNITED HEALTHCARE OF WISCONSIN, INC. | $466 | — | $466 | 1.68% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | 950 E. PACES FERRY ROAD, NE SUITE 2000 ATLANTA, GA 30326 | UNITED HEALTHCARE OF WISCONSIN, INC. | $254 | — | $254 | 1.64% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN INC. | 950 E PACES FERRY ROAD STE 2000 ATLANTA, GA 30326 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | — | $1K | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS AND BLUE SHIELD EIN 54-0357120 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $223K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $140K |
| LJ MOSBY, P.C. EIN 84-1656069 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $39K |
| CONDUENT HR CONSULTING, LLC EIN 13-3954297 NONE | Investment management; Direct payment from the plan Service code 28 | — | $37K |
| SUNTRUST BANK EIN 62-1644863 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Float revenue Service code 21 | — | $18K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $14K |
| THE ESI OPERATING COMPANY EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $9K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Direct payment from the plan; Float revenue; Claims processing Service code 12 | — | $2K |
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 | 699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 310 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,009 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE OF WISCONSIN, INC. | 214 | $1.2M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 371 | $32K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 473 | $116K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 289 | $208K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 337 | $198K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 473 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.