Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Umr, Inc. Health | Health | Pro |
Broker: Thomas Hedge DentalVision | DentalVision | Pro |
Broker: Thomas Hedge STDLTDLifeOther | STDLTDLifeOther | Pro |
Broker: Thomas Hedge Other | Other | Pro |
See premium, retention and renewal dates for 10 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
No Schedule C service providers reported on this filing.
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 | 666 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STEALTH(SLIS)-SWISS RE-SWISS RE | 348 | $544K |
| Dental | NATIONWIDE | 835 | $402K |
| Vision | NATIONWIDE | 835 | $402K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 279 | $104K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 492 | $134K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 314 | $128K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 668 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 835 | — |
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."
The primary broker changed. The plan may take a second-look pitch.
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 final-filing indicator is set. The plan is winding down. Skip it for sales.