| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $204K | — | $204K | 8.96% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSUARANCE COMPANY OF BOSTON | — | $25K | $25K | 1.61% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SELECT BNFT COMMUNICATION GRP | 10075 RED RUN BLVD SUITE 550, OWINGS MILLS MARYLAND, MD 21117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88K | — | $88K | 13.90% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67K | — | $67K | 10.56% |
| FRANK P DOHERTY3 | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 1.11% |
| BRIAN EDWARD JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DR,SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.01% |
| S.F.&C. SEL BENEFITS COMM GRP3 | 10075 RED RUN BOULEVARD SUITE 550, OWINGS MILLS MARLAND, MD 21117 | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | $15K | — | $15K | 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 | 5,478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,402 | $2.3M |
| Long-term disability | LIBERTY LIFE ASSUARANCE COMPANY OF BOSTON | 5,214 | $1.6M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,402 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,402 | — |
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.