See 4 carrier contracts with Solo.
Solo shows premium, covered lives, retention and the policy renewal window for each contract. $4.99 for your first month, then $34.99 a month. Cancel any time.
See commissions and fees for 5 broker rows with Solo.
Solo shows the commissions and fees paid to each broker on this plan. $4.99 for your first month, then $34.99 a month. Cancel any time.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 | Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Float revenue; Other services; Direct payment from the plan; Contract Administrator Service code 12 | — | $525K |
| AMWINS GROUP BENEFITS EIN 05-0461576 | Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $27K |
| BUCHBINDER TUNICK & CO LLP EIN 13-1578842 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| SEAFARERS VACATION FUND EIN 13-5602047 | Recordkeeping fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $14K |
| OPTUMRX, INC. EIN 33-0441200 | Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $10K |
| BASIL CASTROVINCI ASSOCIATES INC EIN 13-2831500 | Direct payment from the plan; Actuarial Service code 11 | — | $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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 145 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 248 | $818K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 273 | $81K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 587 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.