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| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $656K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 CLAIMS PROCESSOR | Claims processing Service code 12 | PO BOX CAROL STREAM, IL 60132 | $123K |
| GRANVILLE ALAN LECOMPTE EIN 21-2154137 BROKER | Insurance brokerage commissions and fees Service code 53 | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | $36K |
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 | 4,664 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE SERVICES, INC. | 2,328 | $158K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,908 | $535K |
| Short-term disability(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,760 | $410K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,760 | $223K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,534 | $974K |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,908 | $903K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,908 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.