No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERSIDE, LLC EIN 45-3449075 NONE | Direct payment from the plan; Other services Service code 49 | — | $2.0M |
| UMR EIN 39-1995276 NONE | Direct payment from the plan; Plan Administrator; Claims processing Service code 12 | — | $1.0M |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Direct payment from the plan; Other services Service code 49 | — | $451K |
| CAVANAGH & OHARA, LLP EIN 37-1259635 NONE | Legal; Direct payment from the plan Service code 29 | — | $109K |
| ROMOLO & ASSOCIATES, CPA'S EIN 84-2885766 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $66K |
| SAVRX EIN 47-0527013 NONE | Other services; Direct payment from the plan Service code 49 | — | $50K |
| IMA INC NONE | Direct payment from the plan; Consulting (general) Service code 16 | PO BOX 39566 INDIANAPOLIS, IN 46239 | $35K |
| NATIONAL INVESTMENT SERVICES EIN 84-3937993 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $27K |
| INVESTMENT CONSULTING GROUP EIN 42-1358707 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $11K |
| 5/3 BANK NONE | Securities brokerage commissions and fees; Investment management fees paid directly by plan Service code 51 | 251 NORTH ILLINOIS ST, SUITE 1000 INDIANAPOLIS, IN 46204 | $9K |
| NYHART EIN 35-0966414 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $8K |
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 | 1,513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 155 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 1,640 | $836K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,640 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.