| Provider | Services | Address | Compensation |
|---|---|---|---|
| CCPOA BEN TRUST FUND EIN 94-6459649 PARTY IN INTEREST | Legal; Direct payment from the plan Service code 29 | — | $157K |
| HEMMING MORSE CPAS AND CONSULTANTS EIN 30-0702322 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $9K |
| TRUCKER HUSS EIN 94-3216063 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
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 | 26,421 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 26,421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WESTERN DENTAL | 1,632 | $748K |
| Vision | VISION SERVICE PLAN | 26,421 | $1.5M |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 26,421 | $881K |
| Other(2 contracts, 2 carriers) | COMBINED STATES L.S., INC. | 26,421 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,421 | — |
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.