No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DISCIPLINED BENEFIT SERVICES, INC. EIN 84-1215883 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $189K |
| INNOVEST PORTFOLIO SOLUTIONS EIN 84-1612955 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $36K |
| CDS ADMINISTRATORS EIN 25-1352803 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $28K |
| RICHMOND CAPITAL MANAGEMENT EIN 54-1288566 NONE | Direct payment from the plan; Investment management Service code 28 | — | $27K |
| CALIBRE CPA GROUP, LLC EIN 20-8078757 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| BUCK GLOBAL LLC NONE | Direct payment from the plan; Actuarial Service code 11 | 11 STANWIX STREET PITTSBURGH, PA 15222 | $21K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $19K |
| VECTRA BANK EIN 91-1943623 NONE | Custodial (other than securities) Service code 18 | — | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,237 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 433 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | 898 | $2.6M |
| Prescription drug | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | 898 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 898 | — |
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 carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.