No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GILSBAR, INC. EIN 72-0519951 INDEPENDENT CONTRACTOR | Claims processing Service code 12 | — | $341K |
| EVERCORE TRUST COMPANY, NA EIN 26-4691954 INDEPENDENT CONTRACTOR | Claims processing Service code 12 | — | $238K |
| NADA RETIREMENT ADMINISTRATORS, INC EIN 90-0212136 AFFILIATED ENTITY | Claims processing Service code 12 | — | $227K |
| ARONSON LLC EIN 37-1611326 AUDITOR | Accounting (including auditing) Service code 10 | — | $47K |
| GRAYSTONE CONSULTING INVESTMENT MANGAGEMENT | Investment management Service code 28 | 12505 PK POTOMAC AVE STE 420 POTOMAC, MD 20854 | $28K |
| NATIONAL AUTOMOBILE DEALERS ASSOC. EIN 52-1253647 RECORD KEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $20K |
| NORTHROP CONSULTING SERIVCES CONSULTANT | Consulting (general) Service code 16 | 3032 RIVER REACH WILLIAMSBURG, VA 23185 | $11K |
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 | 1,511 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 1,511 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,511 | — |
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.