No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT PLANS, INC. EIN 95-4654044 NONE | Contract Administrator; Copying and duplicating Service code 13 | — | $2.6M |
| MERRILL LYNCH PIERCE FENNER & SMITH EIN 13-5674085 NONE | Sub-transfer agency fees; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 51 | — | $127K |
| UNION BANK EIN 94-0304228 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $44K |
| SEGAL CONSULTING NONE | Consulting (general) Service code 16 | 333 W 34TH ST NEW YORK, NY 10001 | $42K |
| WOHLNER KAPLON PHILLIPS YOUNG EIN 95-4177931 NONE | Legal Service code 29 | — | $36K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $31K |
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 | 28,525 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 28,525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 4,721 | $34.7M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 4,329 | $2.0M |
| Vision | VISION SERVICE PLAN | 2,154 | $303K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 8,652 | $1.6M |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 8,652 | $1.6M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 8,652 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,652 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
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.