Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Brown & Brown of New Hampshire HealthRxVisionHMOPPOOther | HealthRxVisionHMOPPOOther | Pro |
Broker: Brown & Brown of Florida Inc LifeLTDOther | LifeLTDOther | Pro |
Broker: Usi Insurance Services LLC Other | Other | Pro |
Broker: Brown & Brown Ins Agency of Va Other | Other | Pro |
See premium, retention and renewal dates for 5 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Anthem Blue Cross and Blue Shield | Pro |
Carrier: Anthem Blue Cross and Blue Shield | Pro |
Carrier: Prudential Insurance Company of America | Pro |
Carrier: Metlife Legal Plans | Pro |
Carrier: Metlife Legal Plans | Pro |
Carrier: Metlife Legal Plans | Pro |
Carrier: New York Life Group Benefit Solutions | Pro |
No Schedule C service providers reported on this filing.
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 | 701 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 878 | $6.4M |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 878 | $6.4M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 701 | $313K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 701 | $313K |
| Prescription drug | ANTHEM BLUE CROSS AND BLUE SHIELD | 878 | $6.4M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 701 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 878 | — |
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 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.