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 5 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 | Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $2.8M |
| INTECH INVESTMENT MANAGEMENT LLC EIN 01-0614895 | Investment management fees paid directly by plan; Investment management Service code 28 | — | $141K |
| VITECH SYSTEMS GROUP EIN 13-3785492 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $124K |
| PETER J. RUFFNER EIN 13-1545680 | Employee (plan) Service code 30 | — | $93K |
| EXPRESS SCRIPTS EIN 22-3461740 | Other fees; Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $91K |
| ROGER ROSS EIN 13-1545680 | Employee (plan) Service code 30 | — | $83K |
| THE SEGAL COMPANY EIN 13-1835864 | Direct payment from the plan; Insurance agents and brokers; Actuarial Service code 11 | — | $81K |
| PRUDENTIAL RETIREMENT INS. ANNUITY EIN 06-1050034 | Investment management fees paid indirectly by plan; Custodial (securities); Custodial (other than securities) Service code 18 | — | $75K |
| LOUISE FURIO EIN 13-1545680 | Employee (plan) Service code 30 | — | $67K |
| RITA MESSINA EIN 13-1545680 | Employee (plan) Service code 30 | — | $45K |
| KEVIN J. DRISCOLL EIN 13-1545680 | Employee (plan) Service code 30 | — | $41K |
| SEAN DRISCOLL EIN 13-1545680 | Employee (plan) Service code 30 | — | $40K |
| WILLIAM J. TURNBULL EIN 13-1545680 | Employee (plan) Service code 30 | — | $40K |
| SEGAL ADVISORS INC EIN 13-2646110 | Investment management fees paid directly by plan; Consulting fees; Investment advisory (plan) Service code 27 | — | $35K |
| COLLERAN, O'HARA MILLS LLP EIN 13-2940050 | Legal; Direct payment from the plan Service code 29 | — | $35K |
| ULLICO CASUALTY GROUP EIN 13-2988846 | Insurance brokerage commissions and fees; Insurance services; Direct payment from the plan Service code 23 | — | $34K |
| LAPADULA, CARLSON & CO CPA EIN 65-0292391 | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $30K |
| FRANCES MCCANN EIN 13-1545680 | Employee (plan) Service code 30 | — | $29K |
| CHUBB & SON EIN 13-1963496 | Insurance services; Direct payment from the plan; Insurance brokerage commissions and fees Service code 23 | — | $28K |
| INTEGRITY PHARMACEUTICAL ADVISORS EIN 45-3047652 | Actuarial; Direct payment from the plan Service code 11 | — | $27K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $19K |
| BERDON LLP EIN 13-0485070 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $9K |
| AUTOMATIC DATA PROCESSING INC EIN 22-1467904 | Direct payment from the plan; Recordkeeping fees Service code 50 | — | $6K |
| DEBORAH LYNN DUXBURY, MD PC EIN 90-0762982 | Other services; Direct payment from the plan Service code 49 | — | $5K |
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 | 2,558 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,239 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 4,797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 11,407 | $6.6M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,501 | $189K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,501 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,407 | — |
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.
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
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.