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 8 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 4 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 STOP LOSS COVERAGE | Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | P.O. BOX 11532A NEW YORK, NY 10286 | $1.4M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMINISTRATIVE SERVICE PR | Contract Administrator Service code 13 | — | $84K |
| HUB INTERNATIONAL NORTHEAST LIMITED | Insurance agents and brokers; Other commissions; Non-monetary compensation Service code 22 | 1000 WOODBURY ROAD WOODBURY, NY 11797 | $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 | 2,736 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 1,489 | $1.7M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC. (G1921) | 1,851 | $149K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 2,576 | $872K |
| Long-term disability | FIRST UMUM LIFE INSURANCE COMPANY | 1,701 | $486K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE INC. (G1921) | 1,951 | $1.8M |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANYNSURANCE COMPANY | 2,576 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,576 | — |
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."
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.