| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INS. CO. RX | $3K | — | $3K | 3.16% |
| LOCKTON COMPANIES, LLC5 | 1801 K STREET, NW SUITE 200 WASHINGTON, DC 20006 | UNITED AMERICAN INS. CO. RX | $2K | — | $2K | 2.11% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INS. CO. MEDICARE SUPPLEMENT | $8K | — | $8K | 11.76% |
| LOCKTON COMPANIES, LLC5 | 1801 K STREET, NW SUITE 200 WASHINGTON, DC 20006 | UNITED AMERICAN INS. CO. MEDICARE SUPPLEMENT | $4K | — | $4K | 5.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON HEWITT EIN 22-2232264 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Recordkeeping fees Service code 15 | — | $81K |
| AON HEWITT INVESTMENT CONSULTING EIN 36-3109431 NONE | Investment advisory (plan); Consulting (general); Direct payment from the plan Service code 16 | — | $34K |
| MOSS ADAMS LLP EIN 91-0189318 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $26K |
| CHERRY BEKAERT & HOLLAND, LLP EIN 56-0574444 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $23K |
| NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $8K |
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 | 674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 91 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED AMERICAN INS. CO. RX | 40 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.