| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | SOUTHEAST INC. PO BOX 703416 DALLAS, TN 753730416 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $180K | — | $180K | 42.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICESOF CA INC. | C/O WILLIS SAN FRANCISCO LOCKBOX 100485, BANC ONE DEPT. PASADENA, CA 911890485 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 5.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON CONSULTING EIN 22-2232264 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $28K |
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 | 2,983 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 635 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,618 | $424K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,618 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,618 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.