No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $16.0M |
| AETNA LIFE INSURANCE COMPANY EIN 53-0076794 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10.8M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $9.6M |
| CIGNA EIN 59-1031071 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $8.2M |
| VIRGIN PULSE EIN 20-2547480 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $5.6M |
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $4.2M |
| KAISER PERMANENTE EIN 94-3203402 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $3.5M |
| PAYFLEX EIN 91-1774434 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.0M |
| MERCER EIN 13-2844414 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $732K |
| NEWTOPIA NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $727K |
| SAN FRANCISCO CITY OPTION NONE | Direct payment from the plan; Other services Service code 49 | PO BOX 194367 SAN FRANCISCO, CA 94119 | $623K |
| WINFERTILITY EIN 13-4135949 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $579K |
| CONSUMER MEDICAL RESOURCE, INC EIN 04-3367006 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $486K |
| INCLUDED HEALTH EIN 85-1879292 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $475K |
| MOMMA STRONG, INC. EIN 83-1727046 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $189K |
| SAPPHIRE DIGITAL EIN 26-3441881 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $171K |
| THE NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $127K |
| CMO ON DEMAND EIN 84-3826109 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $80K |
| MILK STORK EIN 47-1496978 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $49K |
| WALGREENS EIN 36-1924025 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $24K |
| JENNIFER ZANFARDINO NONE | Insurance services; Direct payment from the plan Service code 23 | 4300 PAINTED PONY COVE AUSTIN, TX 78750 | $19K |
| ROBERT JONES NONE | Direct payment from the plan; Insurance services Service code 23 | 22022 SAM FRED ROAD MIDDLEBURY, VA 20117 | $5K |
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 | 72,569 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,595 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 78,164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,013 | $5.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,013 | $5.4M |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,013 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,013 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.