| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | P.O. BOX 207640 DALLAS, TX 753207640 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $73K | $73K | 1.12% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $961 | $961 | 0.01% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $168 | $168 | 0.00% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $325K | — | $325K | 37.32% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $12K | — | $12K | 9.01% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2126 21ST AVENUE S P.O. BOX 120789 NASHVILLE, TN 37212 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $4K | $4K | 3.28% |
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 | 5,823 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 121 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 582 | $219K |
| Vision | VISION SERVICE PLAN | 4,769 | $611K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,947 | $6.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,947 | $6.6M |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 5,047 | $593K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,947 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,947 | — |
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."
No prospect flags tripped on this filing.