No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 501 US HIGHWAY 22 WEST BRIDGEWATER, NJ 08807 | $220K |
| LIFEWORKS (US) LTD EIN 52-1883918 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 115 PERIMETER CENTER PKWY NE #1050 ATLANTA, GA 30346 | $75K |
| LIFTAFFECT LLC EIN 45-4405480 CARRIER | Insurance services Service code 23 | 10794 CEDAR BROOK ST HIGHLANDS RANCH, CO 80126 | $42K |
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 | 3,915 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 58 | $1.1M |
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 58 | $1.0M |
| Vision(3 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 3,477 | $2.0M |
| Life insurance | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 58 | $1.0M |
| Long-term disability | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 58 | $1.0M |
| Prescription drug(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 58 | $1.1M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 6,740 | $4.4M |
| Other(3 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,133 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,740 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.