Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingPremium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 6 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 5,183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,183 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 1,395 | $561K |
| Dental | MCS LIFE INSURANCE COMPANY | 30 | $551K |
| Vision | EYEMED VISION CARE | 7,331 | $445K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,732 | $4.2M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,980 | $590K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,886 | $2.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,732 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,732 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Metropolitan Life Insurance Company | |
Carrier: Lincoln National Life Insurance Company | |
Carrier: MCS Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 THIRD PARTY ADMIN. | Contract Administrator; Participant communication; Claims processing; Named fiduciary; Other services; Float revenue; Non-monetary compensation; Direct payment from the plan Service code 12 | — | $4.5M |
| EXPRESS SCRIPTS CONTRACT ADMIN. | Participant communication; Other services; Claims processing; Named fiduciary; Direct payment from the plan; Contract Administrator Service code 12 | ONE EXPRESS WAY ST LOUIS, MO 63121 | $313K |
| CONSUMER MEDICAL CONTRACT ADMIN. | Contract Administrator; Participant communication; Named fiduciary; Claims processing Service code 12 | 141 LONGWATER DRIVE SUITE 113-A NORWELL, MA 02061 | $189K |
| EVERNORTH BEHAVIORAL HEALTH INC EIN 41-1648670 PLAN ADMINISTRATOR | Participant communication; Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $110K |
| WAGEWORKS, INC. CONTRACT ADMIN | Participant communication; Contract Administrator; Claims processing Service code 12 | P.O. BOX 224547 DALLAS, TX 752224547 | $32K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
7 contacts
Phone and email for the actuary and top hat administrator are on Pro.
11 filings · 2015 to 2025