| 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. | $124K | — | $124K | 15.70% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | 950 E. PACES FERRY ROAD, NE SUITE 2000 ATLANTA, GA 30326 | UNITEDHEALTHCARE OF WISCONSIN, INC. | $68K | — | $68K | 15.46% |
| 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 | 3.74% |
| 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 | — | $9K | $9K | 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 | $27K | — | $27K | 20.00% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH, INC. | 300 CORPORATE PARKWAY AMHERST, NY 14226 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | 950 E. PACES FERRY ROAD STE 2000 ATLANTA, GA 30326 | UNITEDHEALTHCARE OF WISCONSIN, INC. | $4K | — | $4K | 15.38% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | 950 E. PACES FERRY ROAD, NE SUITE 2000 ATLANTA, GA 30326 | UNITEDHEALTHCARE OF WISCONSIN, INC. | $2K | — | $2K | 15.71% |
| 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 | $890 | — | $890 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS AND BLUE SHIELD EIN 54-0357120 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $232K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $149K |
| BUCK GLOBAL LLC EIN 13-3954297 NONE | Direct payment from the plan; Investment management Service code 28 | — | $27K |
| 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 | Contract Administrator; Direct payment from the plan Service code 13 | — | $14K |
| THE ESI OPERATING COMPANY EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $11K |
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 | 701 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 215 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 916 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | UNITEDHEALTHCARE OF WISCONSIN, INC. | 201 | $1.3M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 172 | $36K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 471 | $135K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 291 | $218K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 331 | $202K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 471 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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."
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.