See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 4 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 5 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSING | Claims processing Service code 12 | — | $109K |
| MCGRIFF INSURANCE SERVICES BROKER | Trustee (bank, trust company, or similar financial institution) Service code 21 | P.O. BOX 896620 CHARLOTTE, NC 28289 | $108K |
| CIGNA HEALTH AND LIFE INS. CO. | Named fiduciary; Claims processing; Participant communication; Contract Administrator; Employee (plan); Direct payment from the plan; Non-monetary compensation; Other services; Float revenue Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURANCE CO. | Direct payment from the plan; Shareholder servicing fees; Contract Administrator; Claims processing; Other services; Participant communication; Float revenue; Named fiduciary Service code 12 | — | $0 |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 304 | $399K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 278 | $156K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 278 | $156K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 276 | $172K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 276 | $172K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 276 | $172K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 276 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
The primary broker changed. The plan may take a second-look pitch.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.