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 | — | $2.1M |
| HORIZON ACTUARIAL SERVICES LLC EIN 26-1370698 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $236K |
| LAPADULA CARLSON & CO EIN 65-0292391 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $72K |
| GODWIN MORRIS LAURENZI & BLOOMFIELD EIN 62-1371542 NONE | Legal; Direct payment from the plan Service code 29 | — | $56K |
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 | 12,032 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 12,032 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 6,165 | $914K |
| Dental | UNITED HEALTHCARE DENTAL | 6,165 | $903K |
| Vision | UNITED HEALTHCARE VISION | 6,165 | $274K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 6,165 | $238K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 6,165 | $732K |
| Other | AMALGAMATED LIFE INSURANCE COMPANY | 6,165 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,165 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.