No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN BENEFIT CORPORATION EIN 55-0572859 NONE | Plan Administrator; Consulting (general) Service code 14 | — | $136K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Consulting (general) Service code 16 | — | $87K |
| BENEFIT RESOURCE LLC EIN 16-1428488 NONE | Contract Administrator Service code 13 | — | $15K |
| BEACON ADMINISTRATORS CONSULTANTS EIN 83-1544721 NONE | Consulting (general); Plan Administrator Service code 14 | — | $13K |
| JOHN DASCOLI PLLC EIN 25-1750131 NONE | Legal Service code 29 | — | $11K |
| HARRIS HARDIN & COMPANY A.C. EIN 55-0756523 NONE | Accounting (including auditing) Service code 10 | — | $9K |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CRUMDALE PARTNERS | 301 | $845K |
| Dental | DELTA DENTAL OF WV | 296 | $168K |
| Vision | VISION BENEFITS OF AMERICA | 299 | $24K |
| Other(3 contracts, 3 carriers) | CRUMDALE PARTNERS | 301 | $855K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.