No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Claims processing; Other fees; Direct payment from the plan; Contract Administrator; Product termination fees (surrender charges, etc.); Insurance services Service code 12 | — | $48K |
| PARKER SMITH AND FEEK EIN 91-0660018 NONE | Accounting (including auditing); Consulting (general); Direct payment from the plan Service code 10 | — | $21K |
| UNITED ASSOC. OF JOURNEYMAN LOC 598 EIN 91-0496684 NONE | Direct payment from the plan; Other services Service code 49 | — | $20K |
| TURNER, STOEVE & GAGLIARDI, P.S. EIN 93-0589000 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $8K |
| PLATFORM CPA'S LLP EIN 88-4342576 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $8K |
| NUWEST INSURANCE SERVICES EIN 33-0194819 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $8K |
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 | 236 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE CO., INC. | 338 | $1.3M |
| Life insurance | RELIANCE STANDARD | 219 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
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.