No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan Service code 12 | — | $441K |
| IBM CORPORATION EIN 13-0871985 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $101K |
| MERCER HEALTH & BENEFITS LLC NONE | Direct payment from the plan; Actuarial Service code 11 | 1166 AVENUE OF AMERICAS NEW YORK, NY 10036 | $79K |
| CASTLIGHT HEALTH EIN 26-1989091 NONE | Other services; Direct payment from the plan Service code 49 | — | $54K |
| BUCK CONSULTANTS EIN 13-3954297 NONE | Direct payment from the plan; Other services Service code 49 | — | $47K |
| WOLVERING MAILING PACKAGING EIN 38-2233061 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $20K |
| SSDC SERVICES CORP. EIN 38-3357459 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Participant communication; Other services Service code 15 | — | $12K |
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 | 3,931 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12,411 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 16,342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 5 carriers) | DELTA PREFERRED NATIONAL | 6,358 | $1.9M |
| Vision(3 contracts, 2 carriers) | HERITAGE VISION PLANS INC. | 5,394 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,358 | — |
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.