Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Hub International Northeast HealthRxDentalIndemnity | HealthRxDentalIndemnity | Pro |
Broker: Gis Benefits, Inc. LifeSTDLTDOther | LifeSTDLTDOther | Pro |
Broker: Hub International Northeast Limited Vision | Vision | Pro |
Broker: Hub International Northeast Limited Other | Other | Pro |
See premium, retention and renewal dates for 6 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Cigna Health and Life Insurance Company | Pro |
Carrier: Lincoln Life and Annuity Company of New York | Pro |
Carrier: Lincoln Life and Annuity Company of New York | Pro |
Carrier: Lincoln Life and Annuity Company of New York | Pro |
Carrier: Cigna Health and Life Insurance Company and Affiliates | Pro |
Carrier: Eyemed Vision Care on Behalf of Fidelity Security Life Ins. Co. of NY. | Pro |
Carrier: Metropolitan General Insurance Company | Pro |
Carrier: Metropolitan General Insurance Company | Pro |
Carrier: Eyemed Vision Care on Behalf of Fidelity Security Life Ins. Co. of NY. | Pro |
No Schedule C service providers reported on this filing.
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 | 713 | 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) | 713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 251 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 186 | $106K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY. | 234 | $20K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 711 | $147K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 711 | $147K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 711 | $147K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 251 | $3.1M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 711 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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."
The primary broker changed. The plan may take a second-look pitch.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.