No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE EIN 35-1846036 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $217K |
| STONER & ASSOCIATES EIN 31-1219231 NONE | Plan Administrator Service code 14 | — | $38K |
| ARTHUR J. GALLAGHER RISK MANAGEMENT EIN 36-2102482 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $24K |
| COLOMBO & COLOMBO EIN 38-2285740 NONE | Legal; Direct payment from the plan Service code 29 | — | $22K |
| CROWE HORWATH LLP EIN 35-0921680 NONE | Direct payment from the plan Service code 50 | — | $19K |
| SEGAL CONSULTING EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $12K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310632 NONE | Other services; Securities brokerage; Other commissions Service code 33 | — | $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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,042 | $280K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,042 | $280K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 0 | $368K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,042 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,042 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.