Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingTotal premium grew more than 20% over the prior year. The plan is a good candidate to re-shop its carriers.
The primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
The primary broker changed. The plan may listen to a new pitch.
Broker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Lyons Global Insurance Services LLC LifeSTDLTDOther | LifeSTDLTDOther | |
Broker: Hub International Stop-loss | Stop-loss | |
Dental | Dental | |
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 | 5,710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,747 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC | 5,953 | $1.7M |
| Vision | AETNA LIFE INSURANCE CO. | 6,163 | $249K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,611 | $2.8M |
| Short-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 5,611 | $3.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,611 | $2.8M |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 3,668 | $2.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 5,611 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,163 | - |
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.
| Broker | Commissions |
|---|---|
Carrier: Hartford Life and Accident | |
Carrier: Zurich North American Insurance Company | |
Carrier: Hartford Life and Accident |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LEADING EDGE ADMINISTRATORS EIN 81-2707118 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 14 WALL STREET SUITE 5B NEW YORK, NY 10005 | $1.6M |
| GBS EIN 52-1200892 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | $976K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 RX ADMINISTRATOR | Claims processing Service code 12 | 1 EXPRESS WAY ST LOUIS, MO 63121 | $641K |
| DELTA DENTAL OF NEW JERSEY EIN 22-1896118 CLAIMS ADMINISTRATOR | Claims processing; Participant communication; Other services; Contract Administrator Service code 12 | — | $231K |
| BENEFITS CONNECT EIN 27-1207016 ONLINE BENEFITS VENDOR | Recordkeeping fees Service code 64 | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | $210K |
| PAYFLEX- INSPIRA FINANCIAL EIN 91-1774434 HSA ADMINISTRATION | Recordkeeping fees Service code 64 | PO BOX 2239 OMAHA, NE 681032239 | $172K |
| PAYFLEX EIN 27-2036736 FSA VENDOR | Recordkeeping fees Service code 64 | 1200 RIVER AVENUE SUITE 10E LAKEWOOD, NJ 08701 | $104K |
| OPTUM FINANCIAL, INC EIN 47-0858530 RX ADMINISTRATOR | Claims processing Service code 12 | PO BOX 84019 CHICAGO, IL 606894019 | $41K |
| M&T BANK EIN 16-0968385 BANKING SERVICES | Other fees Service code 99 | PO BOX 62678 BALTIMORE, MD 21264 | $12K |
| BERRY DUNN EIN 01-0523282 ACCOUNTNG SERVICES | Accounting (including auditing) Service code 10 | — | $12K |
| RAWLINGS COMPANY EIN 84-1800886 CLAIMS ADMINISTRATOR | Claims processing; Participant communication; Contract Administrator; Other services Service code 12 | PO BOX 14020 LEXINGTON, KY 40512 | $11K |
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.
1 contact
10 filings · 2016 to 2025