No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Claims processing; Non-monetary compensation; Participant communication; Other services; Named fiduciary; Direct payment from the plan; Float revenue Service code 12 | — | $936K |
| SILVERSCRIPT INSURANCE COMPANY EIN 20-2833904 NONE | Account maintenance fees Service code 65 | — | $677K |
| COHNREZNICK LLP EIN 22-1478099 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $51K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Other services; Participant communication; Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $49K |
| BUCK GLOBAL, LLC EIN 13-3954297 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $32K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 INVESTMENT ADVISOR | Direct payment from the plan; Float revenue; Shareholder servicing fees; Other fees; Trustee (directed) Service code 25 | — | $21K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $20K |
| ERNST AND YOUNG U.S. LLP NONE | Direct payment from the plan; Other services Service code 49 | 200 PLAZA DRIVE SECAUCUS, NJ 07094 | $15K |
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 | 4,621 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMBLEM HEALTH | 47 | $537K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,793 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,793 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.