No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $292K |
| BENEFITS MANAGEMENT GROUP, INC EIN 20-0188125 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $230K |
| MERRILL LYNCH EIN 13-5674085 NONE | Distribution (12b-1) fees; Custodial (other than securities); Investment management fees paid directly by plan; Other services; Securities brokerage commissions and fees; Investment management fees paid indirectly by plan; Direct payment from the plan; Sub-transfer agency fees; Non-monetary compensation Service code 18 | — | $121K |
| KERBER, ECK & BRAECKEL LLP EIN 43-0352985 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $45K |
| CAVANAGH & O'HARA EIN 37-1259635 NONE | Legal; Direct payment from the plan Service code 29 | — | $34K |
| FOSTER & FOSTER EIN 59-1921114 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $22K |
| MED-CARE MANAGEMENT EIN 88-0429522 NONE | Direct payment from the plan; Other services; Consulting (general) Service code 16 | — | $21K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $16K |
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 | 608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 284 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 400 | $664K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.