No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| F.M. VACCARO & ASSOCIATES EIN 23-2148108 NONE | Contract Administrator Service code 13 | — | $256K |
| TUCKER ARENSBERG EIN 25-1425735 NONE | Legal Service code 29 | — | $40K |
| MARCO CONSULTING GROUP INC. EIN 36-3555078 NONE | Consulting (general) Service code 16 | — | $38K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment management Service code 28 | — | $32K |
| WINSLOW MANAGEMENT FEES EIN 34-1705163 NONE | Investment management Service code 28 | — | $29K |
| MCELHANEY & ASSOCIATES, LLC EIN 38-3806684 NONE | Accounting (including auditing) Service code 10 | — | $18K |
| BEYER - BARBER EIN 23-2503024 NONE | Actuarial; Consulting (pension); Direct payment from the plan Service code 11 | — | $7K |
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 | 3,049 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 605 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 337 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,991 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 4,790 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 785 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,790 | — |
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.