No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS ADMINISTRATOR | Float revenue; Named fiduciary; Direct payment from the plan; Participant communication; Non-monetary compensation; Contract Administrator; Other services; Claims processing Service code 12 | — | $665K |
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 SCA ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $489K |
| BUSINESS SOLVER.COM, INC. EIN 42-1503807 TPA | Contract Administrator Service code 13 | — | $314K |
| EXPRESS SCRIPTS, INC. NONE | Contract Administrator Service code 13 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $224K |
| HARTFORD LIFE AND ACCIDENT EIN 06-0838648 NONE | Contract Administrator Service code 13 | — | $96K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $92K |
| TRUST MANAGEMENT SERVICES, INC. EIN 46-3922133 TRUST MANAGEMENT | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $29K |
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 | 2,799 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,799 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE | 1,893 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,893 | — |
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.
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.