Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Insurance and Benefits Trust Porac Other | Other | Pro |
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| Provider | Services | Address | Compensation |
|---|---|---|---|
| IBT HEALTH PLAN EIN 68-6068469 RELATED PLAN | Employee (plan); Direct payment from the plan Service code 30 | — | $272K |
| IOS STAFFING SERVICES NONE | Direct payment from the plan; Consulting (general) Service code 16 | 501 MADISON AVEC. 5TH FLOOR NEW YORK, NY 10022 | $44K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $39K |
| MANAGED BUSINESS SOLUTIONS EIN 81-3216368 NONE | Consulting (general) Service code 16 | — | $24K |
| WAGNER LAW GROUP EIN 04-3323315 NONE | Legal; Direct payment from the plan Service code 29 | — | $21K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $20K |
| WITHUMSMITH+BROWN PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $13K |
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 | 9,330 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 9,330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 707 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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 compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.