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 1 broker row. $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 |
|---|---|---|---|
| SMITH & DOWNEY EIN 52-1839270 NONE | Legal Service code 29 | 320 TOWSONTOWN BLVD., SUITE 1 EAST BALTIMORE, MD 21286 | $68K |
| WOLF & COMPANY, P.C. EIN 04-2689883 NONE | Accounting (including auditing) Service code 10 | 255 STATE STREET BOSTON, MA 02109 | $19K |
| LIBERTE GROUP LLC EIN 26-2435423 NONE | Legal Service code 29 | 1101 PENNSYLVANIA AVE NW, SUITE 600 WASHINGTON, DC 20004 | $16K |
| MASS FIN SERVICES INS AGENCY EIN 04-2680895 NONE | Claims processing; Contract Administrator Service code 12 | ONE WASHINGTON MALL, 8TH FLOOR BOSTON, MA 02108 | $3K |
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 | 9,834 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 645 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS/BLUE SHIELD-MEDICAL | 9,834 | $174.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MA-DENTAL | 8,731 | $9.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS/BLUE SHIELD OF MA - MEDEX | 7,378 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,834 | — |
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.
Multiple-employer welfare arrangement. It has its own regulatory and compliance rules.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.