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No Schedule C service providers reported on this filing.
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 | 17,899 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 488 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HIGHMARK INC. | 666 | $9.0M |
| Dental(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,789 | $3.6M |
| Vision(8 contracts, 5 carriers) | VISION SERVICE PLAN | 6,155 | $850K |
| Life insurance(14 contracts, 6 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 25,083 | $7.8M |
| Short-term disability(9 contracts, 6 carriers) | DEARBORN LIFE INSURANCE COMPANY | 684 | $655K |
| Long-term disability(11 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 20,871 | $7.9M |
| Prescription drug(5 contracts, 4 carriers) | HIGHMARK INC. | 666 | $9.0M |
| Other(17 contracts, 10 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 33,284 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,284 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.