No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE HEALTH PLAN EIN 55-0585592 NONE | Insurance services; Claims processing Service code 12 | — | $726K |
| FRANK M VACARRO & ASSOCIATES INC EIN 23-2148108 NONE | Consulting (general); Contract Administrator Service code 13 | — | $297K |
| ANCHOR CAPITAL ADVISORS LLC EIN 20-4669888 NONE | Investment management fees paid directly by plan; Securities brokerage commissions and fees; Soft dollars commissions Service code 51 | — | $68K |
| MCELHANEY & ASSOCIATES, LLC EIN 38-3806684 NONE | Accounting (including auditing) Service code 10 | — | $37K |
| UNITED BANK EIN 54-1071198 NONE | Custodial (securities) Service code 19 | — | $35K |
| JOHN DASCOLI PLLC EIN 20-5780253 NONE | Legal Service code 29 | — | $26K |
| COWDEN & ASSOCIATES INC EIN 25-1750131 NONE | Actuarial Service code 11 | — | $26K |
| STANDARD VALUATION, INC. EIN 41-1327339 NONE | Investment advisory (plan) Service code 27 | — | $18K |
| CS MCKEE INVESTMENTS EIN 25-1900687 NONE | Investment management Service code 28 | — | $15K |
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 | 779 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 307 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,086 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | CIGNA LIFE INS. CO. OF NORTH AMERICA | 781 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.