No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC EIN 35-1846036 CLAIMS PROCESSING | Plan Administrator; Other services; Claims processing Service code 12 | — | $111K |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 TPA | Plan Administrator; Direct payment from the plan Service code 14 | — | $44K |
| COLOMBO & COLOMBO EIN 38-2285740 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $34K |
| GRAY GRIFFITH & MAYS EIN 55-0621482 AUDITOR | Accounting (including auditing) Service code 10 | 707 VIRGINIA ST E SUITE 400, CHARLESTION, WV 25301 | $21K |
| MORGAN STANLEY SMITH BARNEY EIN 20-8764829 CUSTODIAN | Other services; Other commissions; Direct payment from the plan; Securities brokerage commissions and fees; Investment advisory (plan); Securities brokerage; Other investment fees and expenses Service code 27 | 7755 MONTGOMERY ROAD CINCINNATI, OH 45236 | $3K |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,026 | $278K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,026 | $278K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,026 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,026 | — |
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."
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.