No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE EIN 35-1846036 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $210K |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $37K |
| COLOMBO & COLOMBO EIN 38-2285740 NONE | Legal; Direct payment from the plan Service code 29 | — | $36K |
| CROWE HORWATH LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $17K |
| SEGAL CONSULTING EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $6K |
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Securities brokerage; Other commissions; Other services 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 | 449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 974 | $264K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 974 | $264K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 974 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 974 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.