No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMERITI RETIREMENT HEALTH SOLUTIONS EIN 57-1194227 NONE | Consulting fees; Direct payment from the plan Service code 50 | — | $40K |
| TIAA EIN 13-1624203 NONE | Recordkeeping fees; Consulting (pension); Direct payment from the plan; Investment advisory (plan); Participant communication; Insurance mortality and expense charge; Investment management; Recordkeeping and information management (computing, tabulating, data processing, etc.); Sales loads (front end and deferred); Investment management fees paid indirectly by plan Service code 15 | — | $5K |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 212 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 0 | $23K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 0 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.