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 7 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.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED AMERICAN INSURANCE CO EIN 73-1128555 NONE | Direct payment from the plan; Contract Administrator; Consulting fees Service code 13 | — | $2.8M |
| OPTUMRX, INC EIN 34-0441200 NONE | Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $1.9M |
| INTERNATIONAL BROTHERHOOD TEAMSTERS EIN 53-0215427 RELATED PARTY | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $396K |
| CHEIRON, INC EIN 13-4215617 NONE | Direct payment from the plan; Consulting (general); Actuarial; Claims processing Service code 11 | — | $153K |
| JOHN WARD NONE | Legal; Direct payment from the plan Service code 29 | 2201 N ST., N.W. SUITE 117 WASHINGTON, DC 20037 | $75K |
| RAK CONSULTING, LLC NONE | Consulting (general); Direct payment from the plan Service code 16 | 43261 SUNDERLEIGH SQUARE BROADLANDS, VA 20148 | $36K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $36K |
| UNION LABOR LIFE INSURANCE COMPANY EIN 13-1423090 NONE | Direct payment from the plan; Other services Service code 49 | — | $25K |
| EVERGREEN RE EIN 41-1793012 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $24K |
| ALAN D. BILLER & ASSOCIATES INC EIN 94-2854958 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $15K |
| CENTER FOR THE STUDY OF SERVICES EIN 52-1000466 NONE | Other services; Direct payment from the plan Service code 49 | — | $11K |
| O'DWYER & BERNSTEIN LLP NONE | Legal; Direct payment from the plan Service code 29 | 52 DUANE STRRET, 5TH FLOOR NEW YORK, NY 10007 | $5K |
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 | 1,279,064 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 500,000 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,779,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN INSURANCE CO. | 1,004 | $0 |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 8,219 | $105K |
| Other(6 contracts, 2 carriers) | UNITED AMERICAN INSURANCE COMPANY | 14,768 | $32.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,768 | — |
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 plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.
The filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported. Worth a call.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.