| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $100K | — | $100K | 2.07% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 29727 NETWORK PLACE CHICAGO, IL 606731297 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 0.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 29727 NETWORK PLACE CHICAGO, IL 606731297 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SVCS. | 9E RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | AETNA LIFE INSURANCE CO. | — | $20K | $20K | 0.89% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SVCS. | 9E RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | AETNA LIFE INSURANCE CO. | — | $8K | $8K | 0.36% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP | 210 6TH AVENUE, SUITE 3 PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | — | $69K | 5.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 29727 NETWORK PLACE CHICAGO, IL 606731297 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 29727 NETWORK PLACE CHICAGO, IL 606731297 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 5.35% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $521 | $521 | 0.75% |
| SPECIAL RISK INSURANCE SERVICES INC3 | P.O. BOX 1108 VOORHEES, NJ 080434161 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $7K | $4K | $11K | 25.00% |
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 | 7,142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,960 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 273 | $4.2M |
| Dental(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,373 | $6.3M |
| Vision | VISION SERVICE PLAN | 6,499 | $940K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,216 | $4.8M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 4,632 | $2.2M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 4,632 | $2.3M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7,142 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,373 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.