No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIGHT EIN 36-2235791 NONE | Claims processing Service code 12 | — | $1.5M |
| CREDENCE BLE CROSS AND BLUE SHIELD EIN 63-0103830 N/A | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services Service code 12 | — | $1.1M |
| HEATHCARE BLUE BOOK EIN 46-4399706 NONE | Claims processing; Contract Administrator Service code 12 | — | $172K |
| MERATIVE NONE | Contract Administrator; Claims processing Service code 12 | 100 PHOENIX DRIVE ANN ARBOR, MI 48108 | $162K |
| BNY MELLON EIN 25-1442864 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $90K |
| WILLIS TOWER NONE | Claims processing; Contract Administrator Service code 12 | P.O. BOX 28852 NEW YORK, NY 100878852 | $89K |
| CAREMARK (CVS) EIN 05-0508742 N/A | Claims processing Service code 12 | — | $78K |
| BUCK CONSULTING EIN 13-3954297 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $60K |
| AON EIN 22-2232264 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $43K |
| WARREN AVERETT EIN 45-4084437 NONE | Accounting (including auditing) Service code 10 | — | $38K |
| VIVA HEALTH ADMINISTRATION, LLC EIN 63-1156363 N/A | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $9K |
| LCG ASSOCIATES EIN 75-1680350 NONE | Consulting (general) Service code 16 | — | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17,649 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 21,011 | $73.7M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,624 | $9.0M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,624 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,011 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.