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 3 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.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO THIRD PARTY ADM | Contract Administrator; Float revenue; Other services; Direct payment from the plan; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | 2223 WASHINGTON STREET SUITE 200 NEWTON, MA 02462 | $798K |
| EXPRESS SCRIPTS, INC. THIRD PARTY ADM | Claims processing Service code 12 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $110K |
| BENEFIT CONCEPTS, INC CONTRACT ADMIN | Claims processing Service code 12 | 20 RISHO AVENUE EAST PROVIDENCE, RI 02914 | $92K |
| KPMG, LLP AUDITOR | Accounting (including auditing) Service code 10 | DEPT 0579 PO BOX 120001 DALLAS, TX 753120579 | $43K |
| CIGNA | Float revenue; Contract Administrator; Other services; Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Direct payment from the plan 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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,682 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 560 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | UNICARE | 1,490 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,490 | — |
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.
The filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported. Worth a call.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.