No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 NONE | Claims processing Service code 12 | — | $402K |
| INTEGRATED BEHAVIORAL HEALTH NONE | Claims processing Service code 12 | P.O. BOX 30018 LAGUNA NIGUEL, CA 92607 | $84K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 NONE | Claims processing Service code 12 | — | $79K |
| UNITED CONCORDIA EIN 25-1687586 NONE | Claims processing Service code 12 | — | $28K |
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 | 1,117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 508 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 54 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,567 | $531K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 413 | $183K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,108 | $229K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 1,065 | $443K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,567 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,567 | — |
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."
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.