No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRANK M VACCARO & ASSOCIATES INC EIN 23-2148108 NONE | Contract Administrator; Claims processing Service code 12 | — | $136K |
| BUCK CONSULTANTS EIN 13-3954297 NONE | Consulting (general); Actuarial Service code 11 | — | $48K |
| SOMERSET TRUST EIN 25-0807970 NONE | Investment management Service code 28 | — | $45K |
| MEYER, UNKOVIC & SCOTT EIN 25-1008021 NONE | Legal Service code 29 | — | $34K |
| PACKER THOMAS EIN 34-1667340 NONE | Accounting (including auditing) Service code 10 | — | $22K |
| ANDCO CONSULTING NONE | Consulting (general) Service code 16 | 531 WEST MORSE BLVD WINTER PARK, FL 32789 | $8K |
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 | 543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 142 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 0 | $0 |
| Dental | HIGHMARK INC | 0 | $0 |
| Vision | HIGHMARK INC | 0 | $0 |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 685 | $73K |
| Prescription drug | HIGHMARK INC | 0 | $0 |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 685 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 685 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.