How to read a welfare plan page

Sponsor name, plan name, EIN/plan number/year, address. Eyebrow chips show funding type (fully insured, self funded, mixed, MEWA, unknown), MEWA,stop-loss, and any tripped opportunity flags.

Filing contacts shows the sponsor signer, admin signer, and plan administrator pulled from the 5500 face.

Four KPI tiles: total premiums,persons covered,premium per covered life, andbroker compensation. Each tile shows the YoY delta vs prior-year filing when available.

Plan vs peer cohort. Cohort tiers (most-specific first):

1. exact: NAICS-2 + funding type + size bucket + state
2. funding: NAICS-2 + funding type + size bucket
3. naics: NAICS-2 + size bucket
4. national: plan year only

The most specific cohort with at least 5 peers is selected. Percentile dots show where this plan ranks within the national cohort for each metric.

Up to 10 years of multi-chart history: total premiums, premium per covered life, persons covered, contracts on file, premium by benefit type (stacked), broker comp + comp %, retention rate, carrier and broker counts. All BarCharts; bounded heights; shadcn chart-1..5 palette.

Schedule A reports three overlapping money fields per contract: premium received (cash basis), premium earned (accrual basis), and total charges paid(the broadest figure — premium plus retention/admin where reported separately). Filers report inconsistently: ~50% leave premium received NULL and premium earned at 0, with the carrier's actual receipts surfacing only in total_charges_paid.

We surface the highestof the three fields per contract row, so charts and rankings reflect the carrier's actual receipts regardless of which column the filer used. For fully-insured contracts where all three are populated this is typically total_charges_paid, which exceeds the narrow premium figure by the retention component (~5-15% admin overhead). Read "total premium" on this page as plan-paid carrier spendrather than narrow underwriting premium — the difference is the retention bundled in by the filer's convention.

A small number of filings (<1 per year on average) report trillion-dollar values caused by data-entry errors (premium entered in pennies, fat-fingered extra zeros). A sniper $50B per-row clip neutralizes these specific cells without affecting any legitimate plan; the largest plausible single Sch A contract observed in the full year range is ~$4.5B.

Carriers: every Schedule A row, ranked by premium. Coverage chips show which benefit types each contract covers. Click a carrier to see its full national book of business at/welfare/carrier/[id].

Brokers: every Schedule A Part 1 broker row, with commissions, fees, total comp, and % of premium. Click a broker to see the broker's book at/welfare/broker/[id].

Renewal calendar: derived from each contract'spolicy_to_date. Highlights contracts renewing in 30, 60, or 90 days — the prospecting window for a re-shop.

Coverage breadth: which benefit-type codes are declared on the 5500 face (ground truth) and which have a matching Schedule A insurance contract (✓). Codes declared but missing a Sch A row are typically self-funded benefits paid through TPAs on Schedule C.

Opportunity flags: 12 prospector signals — premium spike, carrier switch, broker switch, high broker comp, underbroker, concentration risk, premium-per-life outlier, self-funded no stop-loss, MEWA, funding transition, recently terminated.

Sibling welfare plans filed under the same EIN. Click any to navigate; click View sponsor portfolio for the full multi-plan aggregate at /welfare/sponsor/[ein].