name = "HHS — employer benefit plan carrier profile (DOL Form 5500)"
description = "HHS (EIN 383269858) administers 3 employer welfare-benefit plans covering 2 employers and 12 persons (end-of-year count). Benefit types: health, life. Loss ratio: 0.0%. Atlas Commons aggregation over DOL Form 5500 EFAST2. CC0."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/383269858.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/383269858/carrier-identity"
warrant = "RECORDED"
name = "HHS (EIN 383269858) administers 3 employer benefit plans per DOL Form 5500 EFAST2"
text = "DOL Form 5500 EFAST2 filings record HHS (EIN 383269858, NAIC code 00533) as the carrier on 3 employer welfare-benefit plan schedule A attachments, covering 2 distinct employer EINs. Benefit types: health, life. This is a verbatim count of DOL EFAST2 records linking this carrier to employer plans."
source = "DOL Form 5500 employer welfare-plan filings (EFAST2)"
sourceUrl = "https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500"
falsifier = "Verify at the DOL EFAST2 public filing portal (https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500). Falsified if a direct count of Schedule A records naming EIN 383269858 as carrier differs from 3."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/383269858/persons-covered"
warrant = "DERIVED"
name = "HHS covers approximately 12 persons across its employer benefit plans (end-of-year count, DOL Form 5500 employer welfare-plan filings (EFAST2))"
text = "Atlas Commons sums the persons_covered_eoy field across all 3 DOL Form 5500 Schedule A records naming HHS (EIN 383269858) as carrier: 12 persons covered at end of year. This is a faithful sum of DOL-published figures — no adjustment for overlap across multiple plans at the same employer."
source = "DOL Form 5500 employer welfare-plan filings (EFAST2) (Atlas Commons aggregation)"
sourceUrl = "https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500"
falsifier = "Sum persons_covered_eoy for all Schedule A records with carrier EIN 383269858 in the DOL EFAST2 data. Falsified if the total differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/383269858/premium-claims"
warrant = "DERIVED"
name = "HHS received $350 in welfare premiums and paid $0 in claims per DOL Form 5500 Schedule A"
text = "Atlas Commons sums the welfare_premium_rcvd_amt and welfare_claims_paid_amt fields across all 3 DOL Form 5500 Schedule A records naming HHS (EIN 383269858) as carrier: $350 in premiums received and $0 in claims paid. These are faithful sums of DOL-published Schedule A figures. Many records have blank premium/claims amounts; the sum reflects only non-blank values."
source = "DOL Form 5500 employer welfare-plan filings (EFAST2) (Atlas Commons aggregation)"
sourceUrl = "https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500"
falsifier = "Sum welfare_premium_rcvd_amt and welfare_claims_paid_amt for carrier EIN 383269858 in DOL EFAST2. Falsified if totals differ."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/383269858/loss-ratio"
warrant = "DERIVED"
name = "HHS employer-plan loss ratio: 0.0% (Atlas Commons — claims paid / premiums received)"
text = "Atlas Commons computes HHS's employer-plan loss ratio as 0.0% (total claims paid / total premiums received × 100) across all DOL Form 5500 Schedule A records. A ratio below 100% means the carrier paid less in claims than it received in premiums. This is an Atlas Commons computation over the DOL-published Schedule A figures; DOL does not publish a per-carrier loss ratio."
source = "DOL Form 5500 employer welfare-plan filings (EFAST2) (Atlas Commons — claims_paid / premium_received × 100)"
sourceUrl = "https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500"
falsifier = "Reproduce: divide sum(welfare_claims_paid_amt) by sum(welfare_premium_rcvd_amt) for carrier EIN 383269858. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/383269858/boundary"
warrant = "INTERPRETATION"
name = "What this benefit carrier profile is — and is NOT — for HHS"
text = "This profile aggregates DOL Form 5500 Schedule A filings at the carrier level. Plan counts and person totals are AGGREGATED (Atlas Commons sums of DOL-published Schedule A figures). Loss ratio is an Atlas Commons computation. This surface answers \"how many employer plans report this carrier on Form 5500?\" — it is NOT a carrier quality rating, a complaint study, a solvency indicator, or a recommendation. Form 5500 reflects what employers self-report; the DOL does not independently verify carrier quality or financial strength from this data."
source = "Coverage Atlas framing (over the DOL Form 5500 sources cited above)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/383269858"
falsifier = "occurred=FALSE (a framing) and adjudged=FALSE — the lowest-warrant claim in this dataset. Counts and dollar totals above are computable from DOL EFAST2."

[[benefit-carrier-indicators]]
Metric = "Plans on DOL Form 5500 Schedule A"
Value = "3"
Warrant = "AGGREGATED"

[[benefit-carrier-indicators]]
Metric = "Distinct employer EINs"
Value = "2"
Warrant = "AGGREGATED"

[[benefit-carrier-indicators]]
Metric = "Persons covered (end-of-year total)"
Value = "12"
Warrant = "AGGREGATED"

[[benefit-carrier-indicators]]
Metric = "Welfare premiums received"
Value = "$350"
Warrant = "AGGREGATED"

[[benefit-carrier-indicators]]
Metric = "Welfare claims paid"
Value = "—"
Warrant = "AGGREGATED"

[[benefit-carrier-indicators]]
Metric = "Loss ratio (claims / premium)"
Value = "0.0%"
Warrant = "AGGREGATED"

[[benefit-carrier-indicators]]
Metric = "Carrier EIN"
Value = "383269858"
Warrant = "RECORDED"

[[benefit-carrier-indicators]]
Metric = "NAIC code"
Value = "00533"
Warrant = "RECORDED"

[[benefit-carrier-indicators]]
Metric = "Benefit types"
Value = "health, life"
Warrant = "AGGREGATED"
