No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RICHMOND CAPITAL EIN 54-1288566 NONE | Investment management Service code 28 | — | $75K |
| SPARE KAPLAN & BISCHELL & ASSOCIATE EIN 94-3099724 NONE | Investment management Service code 28 | — | $46K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $34K |
| ERNST & YOUNG EIN 34-6565596 NONE | Accounting (including auditing) Service code 10 | — | $32K |
| DELOITTE TAX LLP EIN 86-1065772 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| BNY ESI SECURITIES CO EIN 20-5150276 NONE | Securities brokerage commissions and fees Service code 71 | — | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,868 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | MEDICAL MUTUAL OF OHIO | 3,439 | $12K |
| Dental(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 3,957 | $12K |
| Vision(6 contracts, 5 carriers) | MEDICAL MUTUAL OF OHIO | 3,439 | $12K |
| Life insurance | FORT DEARBORN LIFE | 2,930 | $212K |
| Prescription drug(6 contracts, 5 carriers) | MEDICAL MUTUAL OF OHIO | 3,439 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,957 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.