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| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVORIAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $29K |
| HEALTH AND HUMAN RESOURCE CTR INC EIN 33-0052273 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $2K |
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 | 11,629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(20 contracts, 19 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 10,919 | $81.2M |
| Dental(9 contracts, 9 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 10,919 | $65.8M |
| Vision(7 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 10,919 | $33.4M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 11,928 | $2.7M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 14,051 | $1.7M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,886 | $607K |
| Other(6 contracts, 5 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 11,928 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,051 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.