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 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 |
|---|---|---|---|
| INSURANCE PROGRAMMERS, INC. EIN 06-0811449 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $480K |
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan; Other services Service code 12 | — | $192K |
| ROBERT M. CHEVERIE & ASSOCIATES EIN 06-1335139 NONE | Legal; Direct payment from the plan Service code 29 | — | $66K |
| MERRILL LYNCH PIERCE FENNER & SMITH EIN 13-5674085 NONE | Investment management; Direct payment from the plan Service code 28 | — | $55K |
| USI - NEW JERSEY EIN 13-3771734 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $55K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $41K |
| BUCKLEY, FRAME, BOUDREAU & CO., P.C EIN 06-0931761 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $34K |
| CITIZENS BANK EIN 20-2635739 NONE | Other fees; Direct payment from the plan Service code 50 | — | $26K |
| LOWER HUDSON VALLEY EAP EIN 13-3240307 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $17K |
| ETHICARE ADVISORS, INC. EIN 84-1622766 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $8K |
| MPL, LLC EIN 06-1537302 NONE | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $7K |
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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 320 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 658 | $81K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE CO. | 548 | $341K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 658 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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 compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.