No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Float revenue; Claims processing; Other services Service code 12 | — | $574K |
| GEMGROUP, INC EIN 26-1603738 NONE | Contract Administrator Service code 13 | — | $175K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Consulting (general); Actuarial Service code 11 | — | $112K |
| ENVISION PHARMACEUTICAL SERVICES, L NONE | Claims processing Service code 12 | 2181 E. AURORA ROAD SUITE 201 TWINSBURG, OH 44087 | $50K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 NONE | Claims processing Service code 12 | — | $45K |
| JUBELIRER, PASS & INTRIERI EIN 25-1340770 NONE | Legal Service code 29 | — | $32K |
| GALLAGHER FIDUCIARY ADVISORS, LLC EIN 25-1590035 NONE | Investment advisory (plan) Service code 27 | — | $11K |
| CYPHER & CYPHER CPA'S EIN 25-1385288 NONE | Accounting (including auditing) Service code 10 | — | $10K |
| NATIONAL VISION ADMINISTRATORS, LLC NONE | Claims processing Service code 12 | 1200 ROUTE WEST CLIFTON, NJ 07013 | $6K |
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 | 927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 440 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK FREEDOM BLUE | 391 | $1.8M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 362 | $120K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 927 | $81K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 927 | $81K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE CO | 927 | $482K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 927 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.