| Provider | Services | Address | Compensation |
|---|---|---|---|
| PORAC EIN 23-7077256 PARTY IN INTEREST | Direct payment from the plan; Plan Administrator Service code 14 | — | $953K |
| MYERS-STEVENS TOOHEY AND CO. INC. EIN 95-2637676 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $549K |
| THE SEGAL COMPANY EIN 94-1050399 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $65K |
| REICH ADELL & CVITAN EIN 94-1205338 NONE | Legal; Direct payment from the plan Service code 29 | — | $55K |
| UBS NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | 2029 CENTURY PARK EAST, ST 3000 LOS ANGELES, CA 90067 | $34K |
| EIDE BAILLY EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $19K |
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 | 62,518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,181 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 70,699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | THE STANDARD INSURANCE COMPANY | 22,520 | $8.6M |
| Other | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK- AD&D | 18,351 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,520 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.