| 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 | — | $950K | $950K | 22.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $193K | — | $193K | 4.65% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2415 E CAMELBACK RD STE 950 PHOENIX, AZ 85016 | GRANULAR INSURANCE COMPANY | $93K | — | $93K | 8.00% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 77042 | ARAG SERVICES, LLC | $40K | — | $40K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY CO EIN 22-1211670 ADMIN FEES | Other fees; Other insurance fees and expenses; Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $968K |
| PRUDENTIAL INS CO OF AMERICA | Other services; Claims processing; Contract Administrator; Other fees; Other insurance fees and expenses Service code 12 | — | $6K |
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 | 9,334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8,732 | $7.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 14,585 | $932K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,152 | $4.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,152 | $4.2M |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 9,056 | $1.2M |
| Other(2 contracts, 2 carriers) | ARAG SERVICES, LLC | 10,000 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,585 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.