No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RV KUHNS & ASSOCIATES, INC. EIN 93-0910652 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $73K |
| MERCER HEALTH & BENEFITS LLC NONE | Direct payment from the plan; Other services; Consulting (general) Service code 16 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | $64K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $62K |
| EMMA WHITE RESEARCH LLC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1327 JONES DRIVE SUITE 106 ANN ARBOR, MI 48105 | $43K |
| US BANK NONE | Direct payment from the plan; Other services Service code 49 | CN-9703 PO BOX 70870 ST PAUL, MN 551709703 | $42K |
| LAHLOUH NONE | Other services; Direct payment from the plan Service code 49 | 1649 ADRIAN ROAD BURLINGAME, CA 94010 | $12K |
| BUSH GOTTLIEB NONE | Legal; Direct payment from the plan Service code 29 | 801 N BRAND BLVD #950 GLENDALE, CA 91203 | $10K |
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 | 295,684 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27,883 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323,567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 34,041 | $11.0M |
| Short-term disability | STANDARD INSURANCE COMPANY | 73,280 | $36.8M |
| Long-term disability | STANDARD INSURANCE COMPANY | 73,280 | $36.8M |
| Other | STANDARD INSURANCE COMPANY | 73,280 | $36.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73,280 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.