| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BLVD MEMPHIS, TN 38118 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1.1M | $1.1M | 49.36% |
| PACIFIC ADVISORS BENEFITS ADVISORS3 | 1 BEACON STREET SUITE 1700 BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $355K | — | $355K | 31.93% |
| IMG5 | 2960 NORTH MERDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 0.45% |
| CFN AGENCY INC3 Filed as: CFN AGENCY, INC | 4450 RIVER GREEN PARKWAY 100A DULUTH, GA 30096 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | — | $28K | 6.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV. LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 3.41% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH AND BENEFITS LLC | 116 AVENUE OF THE AMERICAS 2ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $6K | — | $6K | 20.00% |
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 | 32,049 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 161 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 32,210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 31,094 | $1.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 9,264 | $2.3M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 33,136 | $824K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,136 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.