No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 THIRD PARTY ADMIN | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | — | $4.8M |
| EXPRESS SCRIPTS, INC. THIRD PARTY ADMIN | Claims processing Service code 12 | ONE EXPRESS WAY ST LOUIS, MO 63121 | $442K |
| KPMG, LLP AUDITOR | Accounting (including auditing) Service code 10 | DEPT 0579 PO BOX 120001 DALLAS, TX 753120579 | $54K |
| BENEFIT CONCEPTS, INC. THIRD PARTY ADMIN | Claims processing Service code 12 | 20 RISHO RD EAST PROVIDENCE, RI 02914 | $52K |
| CIGNA | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator; Float revenue Service code 12 | — | $0 |
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 | 7,876 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 139 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 592 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER PERMANENTE | 867 | $4.6M |
| Dental | MCS LIFE INSURANCE COMPANY | 1 | $4K |
| Vision | EYEMED | 20,278 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | UNICARE | 6,574 | $1.9M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 8,610 | $2.8M |
| Prescription drug | KAISER PERMANENTE | 867 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,278 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.