No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAT'L EMPLOYEE BENEFITS ADMIN, INC. EIN 65-0498809 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $62K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | — | $50K |
| CRUMP CONSULTING, INC. EIN 48-1222156 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $48K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $38K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310632 NONE | Other investment fees and expenses; Other services; Investment advisory (plan); Securities brokerage commissions and fees; Securities brokerage; Custodial (securities); Direct payment from the plan; Other fees Service code 19 | — | $32K |
| IHN, INC. EIN 35-2041388 NONE | Other fees; Direct payment from the plan Service code 50 | — | $28K |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 101 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.