No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SPRING CONSULTING GROUP LLC EIN 20-3653539 NONE | Contract Administrator; Actuarial; Direct payment from the plan Service code 11 | — | $185K |
| HARTFORD EIN 06-0838648 NONE | Insurance services; Contract Administrator; Investment management; Direct payment from the plan Service code 13 | — | $182K |
| MORRIS DAVIS CHAN & TAN LLP EIN 94-2214860 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $60K |
| BANK OF AMERICA EIN 56-0906609 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $56K |
| SPRING INSURANCE GROUP EIN 20-3653539 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $42K |
| HEALTH CARE POLICY ROUNDTABLE LLC EIN 52-2238237 NONE | Direct payment from the plan; Contract Administrator; Insurance services Service code 13 | — | $15K |
| DELTA DENTAL EIN 22-1896118 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $11K |
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 | 291 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 339 | $96K |
| Life insurance | HARTFORD LIFE INSURANCE COMPANY | 460 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.