| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMBA3 | 6034 W. COURTYARD DRIVE SUITE 300 AUSTIN, TX 78730 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $112K | $112K | 0.15% |
| EDUCATORS INSURANCE SERVICES Filed as: EDUCATORS INSURANCE SERVICES, INC. | 4000 ROUTE 66 1ST FLOOR TINTON FALLS, NJ 07753 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NEA MEMBER BENEFITS EIN 52-0855767 NEA IS SOLE MEMBER | Direct payment from the plan; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Participant communication Service code 10 | — | $25.7M |
| MERCER EIN 13-3109248 NONE | Claims processing; Insurance services; Direct payment from the plan Service code 12 | — | $3.5M |
| BUCK GLOBAL LLC EIN 13-3954297 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $199K |
| BNY MELLON ASSET SERVICING EIN 13-5160382 NONE | Direct payment from the plan; Float revenue; Custodial (securities) Service code 19 | — | $137K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $100K |
| MARSH USA EIN 36-1436000 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $93K |
| XPONANCE EIN 56-1535917 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $67K |
| MOONEY, GREEN, SANDON ET AL PC EIN 52-1958229 NONE | Legal; Direct payment from the plan Service code 29 | — | $60K |
| RHUMBLINE ADVISORS EIN 04-3118582 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $45K |
| SMITH AFFILIATED EIN 13-3100579 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $42K |
| CALIBRE CPA GROUP EIN 47-0900880 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $41K |
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 | 2,496,407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 143,475 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,639,882 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,012,099 | $78.7M |
| Other | UNITED AMERICAN INSURANCE COMPANY | 7,129 | $18.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,012,099 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.