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 4 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 3 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 |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 | Other services; Direct payment from the plan; Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.1M |
| EXPRESS SCRIPTS EIN 43-1420563 | Claims processing; Contract Administrator; Other fees; Direct payment from the plan Service code 12 | — | $813K |
| VITECH SYSTEMS GROUP EIN 13-3785492 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $188K |
| LOUISE FURIO EIN 13-1545680 | Employee (plan) Service code 30 | — | $90K |
| ROGER ROSS EIN 13-1545680 | Employee (plan) Service code 30 | — | $80K |
| INTEGRITY PHARMACEUTICAL ADVISORS, EIN 45-3047652 | Contract Administrator; Direct payment from the plan; Other fees Service code 13 | — | $75K |
| JAMES C. WHITE EIN 13-1545680 | Employee (plan) Service code 30 | — | $64K |
| THE SEGAL COMPANY EIN 13-1835864 | Actuarial; Direct payment from the plan Service code 11 | — | $58K |
| SEAN DRISCOLL EIN 13-1545680 | Employee (plan) Service code 30 | — | $56K |
| SABINA WRIGHT EIN 13-1545680 | Employee (plan) Service code 30 | — | $48K |
| FRANCES MCCANN EIN 13-1545680 | Employee (plan) Service code 30 | — | $40K |
| TIMOTHY POWERS EIN 13-1545680 | Employee (plan) Service code 30 | — | $39K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $37K |
| LAPADULA, CARLSON & CO., CPA EIN 65-0292391 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $35K |
| SEGAL MARCO ADVISORS EIN 13-2646110 | Investment advisory (plan) Service code 27 | — | $35K |
| ROBERT LUGONES EIN 13-1545680 | Employee (plan) Service code 30 | — | $32K |
| TYLER WENGERT EIN 13-1545680 | Employee (plan) Service code 30 | — | $29K |
| CHUBB & SON EIN 13-1963496 | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $21K |
| COLLERAN, O'HARA, MILLS LLP EIN 11-2940050 | Legal; Direct payment from the plan Service code 29 | — | $20K |
| LINDABURY MCCORMICK ESTABROOK & COO EIN 22-1943351 | Legal; Direct payment from the plan Service code 29 | — | $20K |
| EMPOWER ANNUITY INSURANCE COMPANY EIN 06-1050034 | Custodial (other than securities); Custodial (securities); Investment management fees paid indirectly by plan Service code 18 | — | $14K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $11K |
| AUTOMATIC DATA PROCESSING EIN 22-1467904 | Recordkeeping fees; Direct payment from the plan Service code 50 | — | $6K |
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 | 2,208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,404 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 4,612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 10,511 | $6.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,136 | $257K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,136 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,511 | — |
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.
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.