No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL BLUECROSS EIN 23-0455154 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $456K |
| EXPRESS SCRIPTS RX EIN 43-1420563 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $22K |
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 | 1,211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 885 | $657K |
| Vision | VISION BENEFITS OF AMERICA | 779 | $94K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 933 | $204K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 200 | $77K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 867 | $202K |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 933 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 933 | — |
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.