No brokers reported on this filing.
No Schedule C service providers reported on this filing.
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 | 13,989 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,723 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 16,712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 4,756 | $3.5M |
| Dental(2 contracts, 2 carriers) | AETNA INTERNATIONAL | 11,083 | $715K |
| Life insurance(4 contracts) | CONTINENTAL CASUALTY COMPANY | 14,624 | $30K |
| Short-term disability | CONTINENTAL CASUALTY COMPANY | 9,862 | $373K |
| Long-term disability | CONTINENTAL CASUALTY COMPANY | 11,257 | $2.2M |
| Prescription drug | TRIPLE S | 127 | $749K |
| Other(11 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,624 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,624 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.