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 37 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 14 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 |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO EIN 41-1289245 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $19.7M |
| FIDELITY INVESTMENT INSTITUTIONAL EIN 04-2647786 NONE | Recordkeeping fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $2.6M |
| SILVERSCRIPT INSURANCE COMPANY EIN 20-2833904 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $1.8M |
| CIGNA HEALTH & LIFE INS COM DENTAL EIN 06-0303370 NONE | Float revenue; Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $1.6M |
| KELSEY-SEYBOLD CLINIC EIN 76-0602862 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $902K |
| CIGNA HEALTH AND LIFE INSURANCE GEM EIN 59-1031071 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $709K |
| MD ANDERSON PHYSICIANS NETWORK EIN 76-0449960 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $582K |
| BEACON HEALTH OPTIONS EIN 54-1414194 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $513K |
| BRIGHT HORIZONS EIN 04-2949680 NONE | Other services; Direct payment from the plan Service code 49 | — | $366K |
| CIGNA HEALTHCARE AND LIFE INS BWAS EIN 59-1031071 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $339K |
| ERNST & YOUNG LLP EIN 34-6565596 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $230K |
| INTERNATIONAL BUSINESS MACHINE CORP EIN 13-0871985 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $221K |
| WAGEWORKS EIN 94-3351864 NONE | Recordkeeping fees; Claims processing Service code 12 | — | $178K |
| TELEDOC EIN 20-1020949 NONE | Direct payment from the plan; Other services Service code 49 | — | $176K |
| MEMORIAL HERMAN MEDICAL GROUP EIN 20-4923281 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $172K |
| GLOBAL HEALTHCARE ALLIANCE EIN 76-0525471 NONE | Recordkeeping fees; Claims processing Service code 12 | — | $158K |
| MERCER EIN 34-2015463 NONE | Direct payment from the plan; Consulting (pension); Actuarial Service code 11 | — | $91K |
| CAREMARK EIN 05-0340626 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $86K |
| TEXAS CHILDRENS PHYSICIAN GROUP EIN 26-0834681 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $75K |
| WELLS FARGO BANK NA EIN 94-1347393 NONE | Distribution (12b-1) fees; Investment management; Trustee (directed); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Investment management fees paid indirectly by plan Service code 21 | — | $74K |
| HEALTH TRANSFORMATION ALLIANCE EIN 47-4919337 NONE | Consulting (general); Other fees Service code 16 | — | $25K |
| BAKER BOTTS EIN 74-1195457 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
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 | 17,517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24,862 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 42,379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(18 contracts, 13 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,287 | $66.7M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 12,672 | $5.7M |
| Vision(3 contracts, 3 carriers) | REGENCE BLUESHIELD | 23,060 | $19.2M |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 29,791 | $21.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,423 | $4.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,793 | $11.3M |
| Prescription drug(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 1,046 | $13.3M |
| Other(9 contracts, 6 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 21,288 | $18.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,791 | — |
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."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
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.