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 3 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 2 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 |
|---|---|---|---|
| KPMG LLP EIN 13-5565207 PLAN AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $72K |
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 THIRD-PARTY ADMINISTRATO | Participant communication; Contract Administrator; Claims processing; Recordkeeping fees; Non-monetary compensation; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Direct payment from the plan Service code 12 | — | $68K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE, INV ADV & MGMT | Float revenue; Trustee (directed); Other investment fees and expenses; Investment advisory (plan); Investment management; Other fees; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Account maintenance fees; Investment management fees paid directly by plan Service code 21 | — | $62K |
| FIDELITY INV INST OPS CO, INC. EIN 04-2647786 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Recordkeeping fees; Participant communication Service code 15 | — | $57K |
| WILLIS TOWERS WATSON EIN 26-0775680 HSA ADMINISTRATION | Direct payment from the plan; Other services; Other fees Service code 49 | — | $27K |
| ERNST & YOUNG LLP EIN 34-6565596 TAX FORM PREPARER | Consulting (general); Direct payment from the plan Service code 16 | — | $24K |
| STANDISH MELLON ASSET MGMT CO, LLC EIN 25-1890416 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $23K |
| CROWE HORWATH LLP EIN 35-0921680 FINANCIAL STATEMENT PREP | Accounting (including auditing); Direct payment from the plan; Consulting (general) Service code 10 | — | $14K |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 THIRD-PARTY ADMINISTRATO | Direct payment from the plan; Recordkeeping fees; Contract Administrator; Claims processing; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $12K |
| PRIME THERAPEUTICS LLC EIN 26-0076803 PHARMACY BENEFIT MANAGER | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Participant communication; Direct payment from the plan; Contract Administrator; Recordkeeping fees Service code 12 | — | $9K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 THIRD-PARTY ADMINISTRATO | Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Float revenue; Participant communication; Claims processing; Non-monetary compensation; Contract Administrator; Direct payment from the plan Service code 12 | — | $5K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 THIRD PARTY ADMINISTRATO | Other services Service code 49 | — | $0 |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,316 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 395 | $3.6M |
| Life insurance(2 contracts) | AETNA LIFE INSURANCE COMPANY | 403 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.