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 6 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 2 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 |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS ADMINISTRATION | Claims processing; Contract Administrator; Float revenue; Non-monetary compensation; Participant communication; Direct payment from the plan; Other services; Named fiduciary Service code 12 | — | $1.6M |
| FLATIRON CONSTRUCTION CORPORATION EIN 04-3147491 PLAN SPONSOR | Employee (plan sponsor) Service code 35 | — | $436K |
| THE HAYS GROUP EIN 41-1784898 BROKER | Insurance services; Insurance agents and brokers; Consulting fees Service code 22 | — | $146K |
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 PLAN ADMNISTRATION | Plan Administrator Service code 14 | — | $40K |
| BANK OF AMERICA PLAN SERVICE PROVIDER | Custodial (other than securities) Service code 18 | PO BOX 15284 WILMINGTON, DE 19850 | $36K |
| CLIFTONLARSONALLEN EIN 41-0746749 AUDITOR | Accounting (including auditing) Service code 10 | — | $6K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 PLAN SERVICE PROVIDER | Trustee (directed) Service code 25 | — | $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 | 1,243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,052 | $7.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,052 | $7.6M |
| Vision | VISION SERVICE PLAN | 1,060 | $211K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,243 | $696K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,243 | $683K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,052 | $7.6M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 1,038 | $1.6M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,243 | $696K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,243 | — |
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.
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.