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 2 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 |
|---|---|---|---|
| BENESYS INC. EIN 38-2383171 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $172K |
| SEGAL COMPANY EIN 13-1928059 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $104K |
| WELLNESS WORKDAYS NONE | Direct payment from the plan; Consulting (general) Service code 16 | 21 FOTTLER ROAD HINGHAM, MA 02043 | $102K |
| MODERN ASSISTANCE PROGRAMS INC. EIN 04-3014253 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $54K |
| SEGAL ROITMAN, LLP EIN 04-2489114 NONE | Legal; Direct payment from the plan Service code 29 | — | $45K |
| BLUE CROSS BLUE SHIELD MA EIN 04-1045815 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $39K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $11K |
| ASB CAPITAL MANAGEMENT EIN 80-0618452 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $10K |
| MIDWEST INSTITUTIONAL TRUST COMPANY EIN 93-1799133 NONE | Custodial (securities); Direct payment from the plan; Other commissions; Finders' fees / placement fees; Float revenue Service code 19 | — | $9K |
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 | 633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 1,415 | $12.3M |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO | 524 | $65K |
| Other | THE UNION LABOR LIFE INSURANCE CO | 524 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,415 | — |
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.
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.