No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 THIRD PARTY ADMIN | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $6.3M |
| EXPRESS SCRIPTS, INC THIRD PARTY ADMIN | Claims processing Service code 12 | ONE EXPRESS WAY ST LOUIS, MO 63121 | $698K |
| CONSUMER MEDICAL THIRD PARTY ADMIN | Claims processing Service code 12 | 141 LONGWATER DRIVE SUITE 113-A NORWELL, MA 02061 | $465K |
| LINCOLN LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 THIRD PARTY ADMIN | Insurance services; Contract Administrator; Claims processing Service code 12 | — | $278K |
| CIGNA BEHAVIORAL HEALTH INC EIN 41-1648670 PLAN ADMINISTRATOR | Participant communication; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $247K |
| BENEFIT CONCEPTS, INC. THIRD PARTY ADMIN | Claims processing Service code 12 | 20 RISHO RD EAST PROVIDENCE, RI 02914 | $57K |
| CIGNA | Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services 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 | 8,985 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,985 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER PERMANENTE | 1,730 | $1.9M |
| Dental | MCS LIFE INSURANCE COMPANY | 1 | $1K |
| Life insurance(2 contracts, 2 carriers) | UNICARE | 6,265 | $1.8M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 9,004 | $2.8M |
| Prescription drug | KAISER PERMANENTE | 0 | $1.8M |
| Other(2 contracts, 2 carriers) | EYEMED | 13,386 | $914K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,386 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.