| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | DELTA DENTAL OF WASHINGTON | $53K | $0 | $53K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | DELTA DENTAL OF WASHINGTON | $21K | — | $21K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $78K | $11K | $88K | 9.14% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $673 | $673 | 0.07% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53K | $6K | $59K | 16.66% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $1K | $21K | 5.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $981 | $0 | $981 | 0.28% |
| AON CONSULTING INC3 Filed as: CUSTOM BNF PROGRAMS AN AON COMPANY | 1 NORTH WHITE HORSE PIKE, SUITE 2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $351 | $193 | $544 | 0.15% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.02% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | $0 | $17 | 6.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 2.87% |
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 | 3,462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 99 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | DELTA DENTAL OF WASHINGTON | 4,753 | $3.7M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,675 | $967K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,675 | $967K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,675 | $967K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,675 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,675 | — |
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.