| 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 | $253K | — | $253K | 11.24% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.07% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANPOLIS, IN 46208 SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $178 | $178 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSUARANCE COMPANY OF BOSTON | — | $15K | $15K | 0.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSUARANCE COMPANY OF BOSTON | — | $9K | $9K | 0.53% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SELECT BNFT COMMUNICATION GRP | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67K | — | $67K | 10.45% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48K | — | $48K | 7.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN | 2300 RENAIASSANC BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 2.20% |
| DOHERTY FRANK P3 | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 0.78% |
| JUND BRIAN EDWARD3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DR,SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 14.07% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF & C SELECT BENEFITS COMMUNI | STE 550 10075 RED RUN BLVD OWING MILLS, MD 21117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRIAN, A MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSIA, PA 19406 | ARAG INSURANCE COMPANY | $13K | — | $13K | 8.40% |
| S.F.&C. SEL BENEFITS COMM GRP3 | 10075 RED RUN BOULEVARD SUITE 550 OWINGS MILLS, MD 21117 | ARAG INSURANCE COMPANY | $2K | — | $2K | 1.60% |
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 | 5,446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 159 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,488 | $2.3M |
| Long-term disability | LINCOLN LIFE ASSUARANCE COMPANY OF BOSTON | 5,128 | $1.8M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,488 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,488 | — |
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.