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 31 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 22 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 | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $11.3M |
| CIGNA HEALTH AND LIFE INSURANCE GEM EIN 59-1031071 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $1.4M |
| KELSEY-SEYBOLD CLINIC EIN 76-0602862 NONE | Claims processing; Other services Service code 12 | — | $834K |
| MCCONNELL & JONES LLP EIN 76-0488832 NONE | Accounting (including auditing) Service code 10 | — | $80K |
| PRINCIPAL TRUST COMPANY EIN 51-0099493 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $74K |
| BAROLET EIN 82-4416954 NONE | Participant communication Service code 38 | — | $32K |
| AON EIN 22-2232264 NONE | Actuarial Service code 11 | — | $14K |
| ERNEST AND YOUNG EIN 34-6565596 NONE | Accounting (including auditing) Service code 10 | — | $10K |
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 | 12,844 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21,144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | 18,833 | $53.1M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 8,822 | $5.4M |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 22,159 | $10.1M |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 22,319 | $22.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,578 | $3.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,977 | $9.9M |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,920 | $13.2M |
| Other(8 contracts, 6 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 16,642 | $14.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,319 | — |
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 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.
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.