No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $138K |
| TOWERS WATSON DELAWARE, INC. EIN 53-0181291 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $35K |
| CROWE EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| RESOURCES GLOBAL PROFESSIONALS EIN 33-0832424 NONE | Consulting (general); Direct payment from the plan; Consulting fees Service code 16 | — | $6K |
| JP MORGAN CHASE BANK, N.A. EIN 13-4994650 TRUSTEE | Float revenue; Investment management fees paid indirectly by plan; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Trustee (directed); Securities brokerage commissions and fees Service code 21 | — | $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 | 4,640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6,168 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,042 | $50K |
| Long-term disability | AETNA LIFE INSURANCE CO | 4,644 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,644 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.