No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $391K |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 NONE | Insurance agents and brokers; Actuarial; Consulting fees; Consulting (general) Service code 11 | — | $315K |
| LIFEWORKS EIN 52-1883918 NONE | Account maintenance fees; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $220K |
| DAVIS WRIGHT TREMAINE EIN 91-0839480 NONE | Legal Service code 29 | — | $110K |
| USI EIN 91-1176315 NONE | Consulting (general) Service code 16 | — | $63K |
| MOSS ADAMS EIN 91-0189318 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| SOVOS EIN 46-1379693 NONE | Other services Service code 49 | — | $15K |
| US BANK EIN 31-0841368 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $9K |
| PRINCIPAL BANK EIN 42-1466678 NONE | Claims processing Service code 12 | — | $4K |
| STANDARD INSURANCE COMPANY EIN 93-0242990 NONE | Contract Administrator Service code 13 | — | $700 |
| CVS CAREMARK CORPORATION EIN 05-0340626 NONE | Claims processing Service code 12 | — | $150 |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 887 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 93 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 794 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 794 | — |
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.
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.