No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL EMPLOYEE BENEFITS ADMIN EIN 65-0498809 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.8M |
| MEDEXPERT NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1300 HANCOCK STREET REDWOOD CITY, CA 94063 | $196K |
| CRUMP CONSULTING, INC. EIN 48-1222156 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $92K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $88K |
| LAPADULA, CARLSON & CO EIN 65-0292391 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $69K |
| GODWIN MORRIS LAURENZI & BLOOMFIELD EIN 62-1371542 NONE | Legal; Direct payment from the plan Service code 29 | — | $50K |
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 | 10,954 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 10,954 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO. | 5,989 | $1.3M |
| Dental | UNITED HEALTHCARE DENTAL | 4,915 | $688K |
| Vision | UNITED HEALTHCARE VISION | 5,085 | $262K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 4,537 | $209K |
| Stop-loss / reinsurancereinsurance | AIG BENEFIT SOLUTIONS | 5,932 | $682K |
| Other | AMALGAMATED LIFE INSURANCE COMPANY | 4,537 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,989 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.