No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT EIN 36-2235791 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $70K |
| CITRIN COOPERMAN EIN 22-2428965 AUDITOR | Accounting (including auditing) Service code 10 | — | $28K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 33-0052273 NONE | Plan Administrator Service code 14 | — | $12K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 SUBSIDIARY | Plan Administrator Service code 14 | — | $10K |
| MERATIVE (FORMERLY IBM WATSON) EIN 53-0181291 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $5K |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 74 | $1.4M |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $27K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $338K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 74 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.