No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC EIN 33-0441200 PHARAMCY BENEFIT MGMT | Float revenue; Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $74.9M |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | — | $15.5M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $836K |
| ALIGHT EIN 36-2235791 RECORDKEEPER | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
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 | 40,119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 169 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 40,288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 176 | $2.1M |
| Dental(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 3,339 | $1.9M |
| Vision | MCS LIFE INSURANCE COMPANY | 161 | $1.1M |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 26,818 | $7.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,825 | $1.6M |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 161 | $1.1M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 34,202 | $5.5M |
| Other | COMMUNITY INSURANCE COMPANY | 34,202 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,202 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.