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 |
|---|---|---|---|
| IBEW LOCAL NUMBER 99 EIN 05-0161150 ADMINISTRATION | Contract Administrator Service code 13 | — | $103K |
| WARD, FISHER AND COMPANY LLP EIN 05-0234540 ACCOUNTING | Accounting (including auditing) Service code 10 | — | $57K |
| GALLAGHER BENEFIT SERVICES, INC. CONSULTING | Consulting (general) Service code 16 | 475 KILVERT STREET, SUITE 105 WARWICK, RI 02886 | $43K |
| BOSTON INVESTMENT AND TRUST EIN 04-2273811 INVESTMENT | Investment management Service code 28 | — | $38K |
| RODIO AND URSILLO LTD. EIN 05-0398359 LEGAL | Legal Service code 29 | — | $11K |
| SEGAL COMPANY EIN 14-1835864 ACTUARIAL | Actuarial Service code 11 | — | $9K |
| MARCO CONSULTING EIN 36-3555078 INVESTMENT | Investment management Service code 28 | — | $8K |
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 | 424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,195 | $5.3M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 1,152 | $377K |
| Life insurance | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 612 | $14K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 1,195 | $5.3M |
| Other | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 612 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,195 | — |
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.
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.