No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRECISION MANUFACT INSURANCE SVCS EIN 27-4272510 NONE | Consulting (general); Insurance services; Direct payment from the plan Service code 16 | — | $396K |
| COAST BENEFITS EIN 33-0670046 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $90K |
| MELISSA W. COOK & ASSOCIATES EIN 95-3245809 NONE | Legal; Direct payment from the plan Service code 29 | — | $27K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
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 | 1,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,103 | $3.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,103 | $3.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,103 | $3.2M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,103 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,103 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.