No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $1.1M |
| KRONOS, INC. EIN 04-2640942 ENROLLMENT PROVIDER | Participant communication Service code 38 | 297 BILLERICA ROAD CHELMSFORD, MA 01824 | $158K |
| BWD GROUP, LLC EIN 13-5529973 INSURANCE BROKER/ADVISOR | Insurance agents and brokers Service code 22 | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | $113K |
| NEO ADMINISTRATION EIN 34-1669631 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 1735 MERRIMAN ROAD AKRON, OH 44313 | $27K |
| SCHNEIDER DOWNS & CO., INC. EIN 25-1408703 PLAN AUDITOR | Accounting (including auditing) Service code 10 | ONE PPG PLACE, SUITE 1700 PITTSBURGH, PA 152225416 | $14K |
| BUSINESSOLVER, INC. EIN 42-1503807 ENROLLMENT PROVIDER | Participant communication Service code 38 | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | $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 | 2,781 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,811 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,903 | $1.7M |
| Vision | VISION SERVICE PLAN | 2,768 | $289K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,903 | $1.7M |
| Other | AETNA INTERNATIONAL | 10 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,903 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.