| 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 | — | $704K | $704K | 19.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $181K | — | $181K | 4.95% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.04% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $95K | — | $95K | 5.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 0.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 77042 | ARAG SERVICES, LLC | $21K | — | $21K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY CO EIN 22-1211670 ADMIN FEES | Contract Administrator; Direct payment from the plan; Other fees; Claims processing; Other insurance fees and expenses Service code 12 | — | $728K |
| PRUDENTIAL INS CO OF AMERICA | Other services; Other insurance fees and expenses; Claims processing; Contract Administrator; Other fees Service code 12 | — | $46K |
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 | 7,768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,487 | $5.4M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 5,777 | $762K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,768 | $3.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,768 | $3.6M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,628 | $1.6M |
| Other(2 contracts, 2 carriers) | ARAG SERVICES, LLC | 7,400 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,768 | — |
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.