| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $434K |
| BENEFIT PROGRAMS ADMINISTRATION EIN 13-2501278 NONE | Consulting (general); Contract Administrator; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $429K |
| REICH, ADELL & CVITAN EIN 95-3082677 NONE | Legal; Direct payment from the plan Service code 29 | — | $113K |
| CENTENNIAL GROUP EIN 33-0935833 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $41K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $24K |
| HEALTH SMART PREFERRED NETWORK EIN 06-1621470 NONE | Other services; Direct payment from the plan Service code 49 | — | $21K |
| BOEHM & ASSOCIATES EIN 94-2361175 NONE | Legal; Other services Service code 29 | — | $19K |
| HEMMING MORSE LLP EIN 30-0702322 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $15K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Other services; Direct payment from the plan Service code 10 | — | $11K |
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 | 2,353 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIMNSA | 70 | $138K |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | 4,278 | $587K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 2,304 | $920K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,278 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.