No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $169K |
| MULTIPLAN, INC EIN 13-3068979 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $27K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $21K |
| WISS & COMPANY LLP EIN 22-1732349 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| BPAS EIN 16-1616474 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| BPAS ACTUARIAL & PENSION SERVICES EIN 30-0192194 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $8K |
| FIDUCIARY INVESTMENT SOLUTIONS, INC EIN 20-2103144 NONE | Direct payment from the plan; Investment management Service code 28 | — | $7K |
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 | 580 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,613 | $81K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,613 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,613 | — |
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.