Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingTotal premium grew more than 20% over the prior year. The plan is a good candidate to re-shop its carriers.
The primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
The primary broker changed. The plan may listen to a new pitch.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: United American Insurance Company HealthHMO | HealthHMO | |
Broker: Crown Benefits Group, Inc. HealthRxPPO | HealthRxPPO | |
HealthHMO | HealthHMO | |
HealthHMO | HealthHMO |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 4 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
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 | 359 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITED AMERICAN INSURANCE COMPANY | 272 | $1.4M |
| Prescription drug | HIGHMARK NEW YORK | 76 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: United American Insurance Company | |
Carrier: Highmark New York |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ERNST & YOUNG LLP NONE | Accounting (including auditing); Consulting (general); Direct payment from the plan Service code 10 | ONE MANHATTAN WEST 395 9TH AVENUE NEW YORK, NY 10001 | $134K |
| EXPRESS SCRIPTS BY EVERNORTH NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $19K |
| RUBINBROWN LLP EIN 43-0765316 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| PROFESSIONAL BENEFIT ADMINISTRATORS NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | P.O. BOX 4687 OAK BROOK, IL 60522 | $14K |
| MCQUIRE WOODS LLP EIN 54-0505857 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
| THE SEGAL GROUP, INC. EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $12K |
| PRINCIPAL CUSTODY SOLUTIONS PARTY-IN-INTEREST | Custodial (other than securities); Trustee (bank, trust company, or similar financial institution); Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 18 | 510 N. VALLEY MILLS DRIVE SUITE 400 WACO, TX 767106075 | $7K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
6 contacts
Phone and email for the actuary are on Pro.
11 filings · 2015 to 2025