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 5 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 |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 THIRD PARTY ADMIN. | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Participant communication; Float revenue Service code 12 | — | $3.2M |
| EXPRESS SCRIPTS CONTRACT ADMIN | Direct payment from the plan; Contract Administrator; Participant communication; Other services; Claims processing; Named fiduciary Service code 12 | ONE EXPRESS WAY ST LOUIS, MO 63121 | $426K |
| BENEFIT CONCEPTS, INC CONTRACT ADMIN | Participant communication; Claims processing; Contract Administrator Service code 12 | 20 RISHO DRIVE EAST PROVIDENCE, RI 02914 | $56K |
| KPMG, LLP AUDITOR | Accounting (including auditing) Service code 10 | DEPT 0579 PO BOX 120001 DALLAS, TX 75312 | $48K |
| CIGNA | Named fiduciary; Contract Administrator; Direct payment from the plan; Other services; Float revenue; Participant communication; Claims processing; Non-monetary compensation Service code 12 | — | $0 |
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 | 9,122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 9,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 54 | $459K |
| Dental | MCS LIFE INSURANCE COMPANY | 54 | $459K |
| Vision | EYEMED VISION CARE | 11,465 | $688K |
| Life insurance(2 contracts, 2 carriers) | UNICARE | 10,131 | $4.9M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 9,101 | $2.5M |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 11,465 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,465 | — |
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."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
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.
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.