| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STR 6TH FL SAN DIEGO, CA 921018156 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 1.09% |
| IMG5 | 2960 NORTH MERIDIAN ST. INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $129 | $129 | 0.02% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE. STE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $25 | $25 | 0.00% |
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 | 716 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 716 | $788K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 716 | $788K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 716 | $788K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 716 | $788K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.