No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | DEUTSCHE BANK, 60 WALL ST. NEW YORK, NY 10005 | $87K |
| NATIONAL EMPLOYEE BENEFITS ADMIN (N EIN 65-0498809 NONE | Direct payment from the plan; Plan Administrator Service code 14 | 2010 NW 150TH AVE SUITE 200 PEMBROKE PINES, FL 33028 | $60K |
| CRUMP CONSULTING EIN 48-1222156 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $48K |
| MORGAN STANLEY SMITH BRNEY LCC EIN 26-4310632 NONE | Securities brokerage; Direct payment from the plan Service code 33 | 15341 SOUTH 94TH AVE SUITE 200 ORLANDO PARK, IL 60462 | $30K |
| LAPADULA CARLSON & CO. EIN 65-0292391 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 550 BILTMORE WAY SUITE 1200 CORAL GABLES, FL 33134 | $22K |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.