| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEBCO5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INS. CO. RX | $2K | — | $2K | 3.16% |
| LOCKTON COMPANIES, LLC5 | 1801 K STREET, NW SUITE 200 WASHINGTON, DC 20006 | UNITED AMERICAN INS. CO. RX | $1K | — | $1K | 2.11% |
| NEBCO5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INS. CO. MEDICARE SUPPLEMENT | $5K | — | $5K | 11.76% |
| LOCKTON COMPANIES, LLC5 | 1801 K STREET, NW SUITE 200 WASHINGTON, DC 20006 | UNITED AMERICAN INS. CO. MEDICARE SUPPLEMENT | $3K | — | $3K | 5.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON HEWITT EIN 22-2232264 NONE | Direct payment from the plan; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $90K |
| HEWITT ENNIS KUNPP EIN 36-3109431 NONE | Consulting (general); Investment advisory (plan); Direct payment from the plan Service code 16 | — | $11K |
| NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $9K |
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 | 725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 163 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 978 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED AMERICAN INS. CO. RX | 30 | $100K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.