No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOWERS WATSON DELAWARE INC EIN 53-0181291 NONE | Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $351K |
| BUCK GLOBAL LLC EIN 83-1116912 NONE | Other services; Direct payment from the plan Service code 49 | — | $141K |
| MERCER HR CONSULTING EIN 13-2836910 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $97K |
| SSDC SERVICES CORP EIN 38-3357459 NONE | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 15 | — | $57K |
| WOLVERING SOLUTIONS EIN 38-2233061 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $56K |
| CASTLIGHT HEALTH EIN 26-1989091 NONE | Other services; Direct payment from the plan Service code 49 | — | $45K |
| MERATIVE EIN 88-1430661 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $35K |
| OPTAVISE EIN 02-0677999 NONE | Other services; Direct payment from the plan Service code 49 | — | $19K |
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 | 1,943 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12,037 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 13,980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | DELTA PREFERRED NATIONAL | 5,775 | $1.8M |
| Vision | VSP | 5,575 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,775 | — |
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.