No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIGNIFICA BENEFIT SERVICES, INC. EIN 23-2504308 NONE | Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $691K |
| BH BENEFITS EIN 27-0488672 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $171K |
| INDEPENDENT FIDUCIARY SERVICES NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | 8460 TYCO ROAD, STE E VIENNA, VA 22182 | $120K |
| RSM US LLP EIN 42-0714325 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $56K |
| SMITH & DOWNEY, P.A. EIN 52-1839270 NONE | Legal; Direct payment from the plan Service code 29 | — | $19K |
| TRANSNATION TRANSLATIONS, INC. NONE | Direct payment from the plan; Other fees Service code 50 | 17101 PRESTON ROAD SUITE 180 DALLAS, TX 75248 | $8K |
| CONTRIBUTION HEALTH NONE | Direct payment from the plan; Other fees Service code 50 | 930 RED ROSE COURT SUITE 102 LANCASTER, PA 17601 | $7K |
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 | 1,197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PAN-AMERICA LIFE INSURANCE COMPANY | 613 | $2.2M |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 851 | $366K |
| Other(3 contracts, 3 carriers) | PAN-AMERICA LIFE INSURANCE COMPANY | 1,197 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,197 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.