No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RISK PROGRAM ADMINISTRATORS LLC EIN 30-0837669 PLAN ADMINISTRATOR | Direct payment from the plan; Copying and duplicating; Plan Administrator Service code 14 | — | $592K |
| HEALTHINVEST HRA EIN 81-7058658 NONE | Contract Administrator Service code 13 | — | $107K |
| COMMONWEALTH EQUITY SERVICES EIN 04-2675571 N/A | Investment management; Direct payment from the plan Service code 28 | — | $21K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
| GILBERT AND SACKMAN EIN 95-2906951 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $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 | 1,028 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 138 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 1,160 | $15.5M |
| Dental | UNITED HEALTH CARE | 527 | $7.0M |
| Vision | UNITED HEALTH CARE | 527 | $7.0M |
| Life insurance | UNITED HEALTH CARE | 527 | $7.0M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 1,160 | $15.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,160 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.