No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC EIN 35-1846036 NONE | Plan Administrator; Other services; Claims processing Service code 12 | — | $303K |
| CIGNA PPO EIN 59-1031071 NONE | Other services; Claims processing Service code 12 | — | $179K |
| SIA GROUP EIN 56-1285959 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $73K |
| AETNA EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $27K |
| MULTIPLAN EIN 13-3068979 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $17K |
| TELEDOC EIN 04-3705970 NONE | Plan Administrator; Custodial (securities); Claims processing Service code 12 | — | $12K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $11K |
| CARANET HEALTH SERVICES EIN 71-0879286 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $6K |
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 | 619 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 619 | $961K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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.
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.