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| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $3.5M |
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 CLAIMS ADMIN. | Float revenue; Non-monetary compensation; Contract Administrator; Participant communication; Claims processing; Direct payment from the plan; Other services; Named fiduciary Service code 12 | — | $1.7M |
| HARDEN & ASSOCIATES INC EIN 59-2142739 BROKER | Other commissions Service code 55 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | $245K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMINISTRATIVE SERVICE | Contract Administrator Service code 13 | — | $128K |
| CIGNA HEALTH & LIFE INSURANCE CO | Non-monetary compensation; Claims processing; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary Service code 12 | — | $0 |
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 | 53,364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10,482 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 63,846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,956 | $1.1M |
| Vision(14 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 36,047 | $6.6M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 58,592 | $20.7M |
| Short-term disability(5 contracts, 4 carriers) | USABLE LIFE | 2,262 | $1.4M |
| Long-term disability(8 contracts, 6 carriers) | USABLE LIFE | 2,262 | $2.7M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 82 | $40K |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | TOKIO MARINE - STEALTH PARTNER GROUP | 7,362 | $3.2M |
| Other(5 contracts, 5 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 58,592 | $13.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 58,592 | — |
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.