| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $415K |
| BENEFIT PROGRAMS ADMINISTRATION EIN 13-2501278 NONE | Contract Administrator; Direct payment from the plan; Accounting (including auditing); Consulting (general) Service code 10 | — | $410K |
| REICH, ADELL & CVITAN EIN 95-3082677 NONE | Legal; Direct payment from the plan Service code 29 | — | $92K |
| CENTENNIAL GROUP EIN 33-0935833 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $71K |
| EXPRESS SCRIPTS NONE | Contract Administrator; Direct payment from the plan Service code 13 | 100 PARSONS POND DRIVE FRANKLIN LAKES, NJ 30246 | $30K |
| HEMMING MORSE LLP EIN 30-0702322 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $23K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $23K |
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 | 2,382 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIMNSA | 70 | $146K |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | 3,763 | $562K |
| Life insurance | PRUDENTIAL | 1,980 | $18K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,936 | $687K |
| Other | PRUDENTIAL | 1,980 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,763 | — |
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.