No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA EIN 39-1263473 NONE | Direct payment from the plan; Claims processing; Participant communication Service code 12 | — | $17.9M |
| DELTA DENTAL EIN 94-2761537 NONE | Claims processing; Direct payment from the plan; Participant communication Service code 12 | — | $865K |
| HCMS GROUP LLC EIN 27-1478411 NONE | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 15 | — | $758K |
| ERNST & YOUNG LLP EIN 34-6565596 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $74K |
| THE NORTHERN TRUST COMPAANY EIN 36-1561860 NONE | Float revenue; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Custodial (securities) Service code 19 | — | $8K |
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 | 26,046 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,036 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 31,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 7,577 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,577 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.