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 4 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 |
|---|---|---|---|
| MERITAIN EIN 16-1264154 NONE | Plan Administrator; Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $1.1M |
| NFP CORPORATE SERVICES LLC EIN 20-1941665 NONE | Insurance agents and brokers; Consulting (general); Insurance brokerage commissions and fees Service code 16 | — | $626K |
| PROSKAUER ROSE EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $233K |
| CDS ADMINISTRATORS EIN 25-1352803 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $162K |
| BREDOFF AND KAISER PLLC EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | — | $138K |
| NFP CANADA CORP EIN 98-0581597 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $118K |
| WITHUMSMITH+BROWN EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $59K |
| KOSKIE MINKSY LLP NONE | Legal; Direct payment from the plan Service code 29 | — | $27K |
| MORGAN STANLEY EIN 20-8764829 NONE | Investment advisory (plan); Direct payment from the plan; Other investment fees and expenses Service code 27 | — | $27K |
| HORIZON EIN 26-1370698 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $17K |
| NEXGENRX INC NONE | Claims processing; Direct payment from the plan Service code 12 | — | $11K |
| BLAKE, CASSELS & GRAYDON LLP NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
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 | 965 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 661 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,339 | $2.3M |
| Long-term disability(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 625 | $4.1M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,632 | $741K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,339 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,632 | — |
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.
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.