No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSIGHT NORTH AMERICA, LLC NONE | Investment management fees paid directly by plan Service code 51 | 200 PARK AVENUE 7TH FLOOR NEW YORK, NY 10166 | $44K |
| PNC BANK EIN 22-1146430 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $35K |
| ACADIAN ASSET MANAGEMENT NONE | Investment management fees paid directly by plan Service code 51 | ONE OFFICED SQUARE BOSTON, MA 02101 | $30K |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 487 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE CO | 601 | $54K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,590 | $1.5M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 591 | $633K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,590 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,590 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.