No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENISTAR ADMIN SERVICES EIN 06-1490687 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.5M |
| CONTINENTAL BENEFITS, LLC EIN 38-3919227 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $202K |
| COORDINATED CARE PROGRAMS, LLC NONE | Claims processing; Direct payment from the plan Service code 12 | 1099 JAY STREET - BUILDING J ROCHESTER, NY 14611 | $179K |
| SEI INVESTMENTS COMPANY EIN 23-1707341 NONE | Direct payment from the plan; Investment management Service code 28 | — | $114K |
| WELLS FARGO BANK, NA EIN 94-1347393 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $83K |
| DELTA DENTAL OF NEW JERSEY EIN 22-1896118 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $28K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $14K |
| EXPRESS SCRIPTS INC EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $12K |
| UNIVERSITY BEHAVIORAL HEALTH CARE NONE | Claims processing; Direct payment from the plan Service code 12 | 671 HOES LANE WEST PISCATAWAY TOWNSHIP, NJ 08854 | $10K |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 251 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | TRUSTMARK LIFE INSURANCE COMPANY | 478 | $1.1M |
| Short-term disability | TRUSTMARK LIFE INSURANCE COMPANY | 478 | $1.1M |
| Long-term disability | TRUSTMARK LIFE INSURANCE COMPANY | 478 | $1.1M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 498 | $890K |
| Other | TRUSTMARK LIFE INSURANCE COMPANY | 478 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.