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| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACCURISK SOLUTIONS BROKER | Insurance agents and brokers Service code 22 | 10 S. LASALLE ST, #2350 CHICAGO, IL 60603 | $215K |
| JP FARLEY CORPORATION EIN 34-1363719 CLAIMS PROCESSING | Claims processing Service code 12 | — | $57K |
| JAMES A. SCOTT & SON, INC. BROKER | Insurance agents and brokers Service code 22 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | $47K |
| CIGNA CORPORATION EIN 06-0303370 CLAIMS PROCESSING | Claims processing Service code 12 | — | $29K |
| QBE INSURANCE CORPORATION EIN 22-2311816 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| TELADOC INC. EIN 41-3705970 OTHER SERVICES | Other services Service code 49 | — | $5K |
| OPTUMHEALTH MTP EIN 36-2739571 CLAIMS PROCESSING | Claims processing Service code 12 | — | $4K |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 144 | $86K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 222 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $36K |
| Other(3 contracts, 2 carriers) | AFLAC | 214 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.