| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $973K | — | $973K | 4.95% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP SYSTEM INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $549K | — | $549K | 2.79% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | — | $156K | $156K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $677K | — | $677K | 30.88% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEWW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $204K | — | $204K | 9.31% |
| BENEPLACE, INC.3 Filed as: BENEPLACE, LLC | ECHELON III STE 100 9420 RESEARCH BLV AUSTIN, TX 78759 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 0.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES RAY HILL, JR. | 7 ST AUGUSTINE SQUARE GREENSBORO, NC 27408 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ERIC MILLER3 | 6631 FOX RIDGE CR DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $152K | — | $152K | 13.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $47K | — | $47K | 5.15% |
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 | 22,625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 347 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 699 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,209 | $15.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,209 | $7.2M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 14,511 | $10.6M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 22,460 | $19.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 22,460 | $19.7M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 22,460 | $19.7M |
| Prescription drug(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID ATLANTIC STATES, INC. | 729 | $7.1M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 22,460 | $25.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,460 | — |
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.