No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGNACARE EIN 11-3410766 NONE | Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $591K |
| JOINT INDUSTRY BOARD EIN 13-0891035 NONE | Other services; Direct payment from the plan; Plan Administrator Service code 14 | — | $395K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $111K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $71K |
| DDS EIN 11-2705346 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $31K |
| AVITAR SOLUTIONS, INC. EIN 11-3622054 NONE | Direct payment from the plan; Other services Service code 49 | — | $25K |
| INSIGHT EIN 13-3594521 NONE | Direct payment from the plan; Investment management Service code 28 | — | $12K |
| COHEN, WEISS AND SIMON LLP EIN 13-1592323 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| DEUTSCHE BANK EIN 13-6065488 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $6K |
| STATE STREET BANK & TRUST EIN 04-1867445 NONE | Direct payment from the plan; Other fees; Investment management Service code 28 | — | $336 |
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 | 2,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,162 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 3,168 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,168 | — |
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.
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.