Filings through .
History & trajectory Charts need 2 or more years. This plan has 9 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingNo prospect flags tripped on this filing.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Stop-loss | Stop-loss | |
Broker: Hilb Group of New England LTDLifeOtherSTD | LTDLifeOtherSTD | |
Broker: Hilb Group of New England Dental | Dental | |
Broker: Hilb Group of New England Vision | Vision |
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 | 100 | 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) | 100 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 63 | $5K |
| Vision | EYEMED VISION CENTER CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | 23 | $2K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $14K |
| Stop-loss / reinsurancereinsurance | PROSELECT INSURANCE COMPANY DBA COVERYS | 47 | $169K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | - |
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.
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC. EIN 04-2734278 TPA | Claims processing; Other services Service code 12 | — | $67K |
| HILB GROUP OF NEW ENGLAND BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2000 CHAPEL VIEW BLVD. STE.240 CRANSTON, RI 02920 | $30K |
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.
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9 filings · 2015 to 2025