| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN FOREIGN SERVICE PROTECTIVE5 | 1620 L STREET NW, STE 800 WASHINGTON, DC 20036 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $90K | $90K | 10.69% |
| GABLE, MAURICE3 | P.O. BOX 13169 PITTSBURGH, PA 152439998 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | — | $48K | 10.92% |
| GABLE, MAURICE3 | P.O. BOX 13169 PITTSBURGH, PA 152439998 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 8.00% |
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 | 5,960 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 551 | $834K |
| Life insurance | PRUDENTIAL INSURANCE CO OF AMERICA | 3,977 | $379K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 881 | $844K |
| Other | PRUDENTIAL INSURANCE CO OF AMERICA | 3,977 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,977 | — |
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.