No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Participant communication; Other services; Float revenue; Named fiduciary; Claims processing; Direct payment from the plan; Non-monetary compensation; Contract Administrator Service code 12 | — | $134K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Participant communication; Contract Administrator; Other services; Direct payment from the plan; Claims processing Service code 12 | — | $99K |
| BNY MELLON EIN 25-6078093 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $87K |
| COHNREZNICK LLP EIN 22-1478099 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $42K |
| BUCK CONSULTANTS LLC EIN 13-3954297 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $23K |
| STATE STREET BANK & TRUST CO. EIN 04-1867445 NONE | Float revenue; Other fees; Direct payment from the plan; Trustee (directed); Investment management Service code 25 | — | $15K |
| ERNST AND YOUNG EIN 34-6565596 NONE | Other fees; Direct payment from the plan; Other services Service code 49 | — | $5K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 544 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 544 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.