| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN AND ASSOCIATES | ATT ACCOUNTING DEPARTMENT - DIRECT 2355 CRENSHAW BLVD, STE 200 TORRANCE, CA 905013329 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $143K | — | $143K | 15.10% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 210301827 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 4.33% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $500 | $500 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | ATTN ACCOUNTING DEPARTMENT 2355 CRENSHAW BLVD, STE 200 TORRANCE, CA 905013329 | VISION SERVICE PLAN | $29K | — | $29K | 5.41% |
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 | 2,320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WESTERN HEALTH ADVANTAGE | 4,587 | $37.4M |
| Vision | VISION SERVICE PLAN | 2,150 | $529K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,085 | $948K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,085 | $948K |
| Prescription drug(2 contracts) | WESTERN HEALTH ADVANTAGE | 4,587 | $37.4M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,085 | $948K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,587 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.