| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $113 | $113 | 0.01% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS BROKERS - SEE ATTACHED 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $10K | $296 | $10K | 14.47% |
| FINKLE, ARTHUR, ALLEN3 | 2100 PONCE DELEON BOULEVARD SUITE 901 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $971 | $428 | $1K | 9.84% |
| SINGER, IRA, MICHAEL3 | 350 W PASSAIC STREET ROCHELLE PARK, NJ 07662 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.10% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 165 BROADWAY 33RD FLOOR NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 19.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $158 | — | $158 | 14.99% |
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 | 526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 60 | $72K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 386 | $279K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 856 | $36K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 657 | $866K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 657 | $866K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 657 | $880K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 456 | $553K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 657 | $875K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.