No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICES CORPORATION EIN 36-1236610 CLAIM ADMINISTRATOR | Contract Administrator; Other services; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan Service code 12 | — | $891K |
| CIGNA EIN 59-1031071 CLAIM ADMINISTRATOR | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Participant communication Service code 12 | — | $91K |
| EMPLOYEE RESOURCE SYSTEMS, INC EIN 36-3867645 EMPLOYEE ASSISTANCE PROG | Other services Service code 49 | — | $30K |
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 | 1,823 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,040 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 2,602 | $17.6M |
| Dental | CIGNA | 209 | $116K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,808 | $253K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,679 | $404K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 2,602 | $17.6M |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION | 2,602 | $17.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,805 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,602 | — |
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."
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.