| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | SUITE T220, 7900 WESTPARK DR. MC LEAN, VA 22102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $875K | — | $875K | 4.99% |
| PETER J WORTH3 Filed as: PETER WORTH | 25TH FL, 99 PARK AVE NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $589K | — | $589K | 3.36% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $570K | — | $570K | 22.14% |
| ELIZABETH GRELLNER3 | 101 S HANLEY ROAD STE 900 ST. LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $256K | — | $256K | 9.93% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES JAY R HILL, JR. | 7 ST AUGUSTINE SQUARE GREENSBORO, NC 27408 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.00% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $132K | $132K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $117K | — | $117K | 13.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $41K | — | $41K | 4.64% |
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 | 21,266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 520 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 677 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 928 | $10.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 928 | $6.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 13,590 | $9.1M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 22,570 | $17.5M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 22,570 | $17.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 22,570 | $17.5M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID ATLANTIC STATES, INC. | 650 | $3.4M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 22,570 | $23.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,570 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.