No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NEBA EIN 65-0498809 NONE | Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $61K |
| SUGARMAN & SUSSKIND EIN 59-2539792 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| BROWN & BROWN EIN 59-0864469 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $25K |
| SAGE ADVISORY SERVICE NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 5900 SW PARKWAY UNIT 1 AUSTIN, TX 78735 | $3K |
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 | 302 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 272 | $3.8M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 272 | $120K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 273 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.