| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMBA3 | 6034 W. COURTYARD DRIVE SUITE 300 AUSTIN, TX 78730 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $289K | $0 | $289K | 0.47% |
| PEARL INSURANCE GROUP LLC3 Filed as: PEARL | 1200 E. GLEN AVE PEORIA HEIGHTS, IL 61616 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.00% |
| EDUCATORS INSURANCE SERVICES5 Filed as: EDUCATORS INSURANCE SERVICES, INC. | 4000 ROUTE 66 1ST FLOOR TINTON FALLS, NJ 07753 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NEA MEMBER BENEFITS EIN 52-0855767 NEA IS SOLE MEMBER | Participant communication; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 10 | — | $27.9M |
| PEARL INSURANCE GROUP LLC EIN 88-2137818 NONE | Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States); Insurance services; Claims processing Service code 12 | — | $9.2M |
| SAVI SOLUTION PBC EIN 81-2750411 NONE | Other services Service code 49 | — | $355K |
| BUCK GLOBAL, LLC EIN 13-3954297 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $294K |
| BNY MELLON ASSET SERVICING EIN 13-5160382 NONE | Direct payment from the plan; Custodial (securities); Float revenue Service code 19 | — | $182K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $100K |
| MOONEY, GREEN, SANDON ET AL PC EIN 52-1958229 NONE | Legal; Direct payment from the plan Service code 29 | — | $96K |
| MARSH USA EIN 36-1436000 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $50K |
| CALIBRE CPA GROUP EIN 47-0900880 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $47K |
| RHUMBLINE ADVISORS EIN 04-3118582 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $32K |
| ABLETO, INC EIN 46-2468224 NONE | Other services Service code 49 | — | $30K |
| SMITH AFFLIATED EIN 13-3100579 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $29K |
| DUCENTA SQUARED ASSET MANAGEMENT EIN 85-0584508 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $28K |
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 | 2,543,679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 128,705 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,672,384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,125,376 | $64.4M |
| Other(2 contracts, 2 carriers) | UNITED AMERICAN INSURANCE COMPANY | 6,964 | $20.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,125,376 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.