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 2 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 |
|---|---|---|---|
| MAGNACARE ADMINISTRATIVE SERVICES EIN 11-3410766 NONE | Claims processing; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $177K |
| GLORIA DIAZ EIN 13-5624028 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $144K |
| BARNES, IACCARINO & SHEPERD LLP EIN 26-3858697 NONE | Legal; Direct payment from the plan Service code 29 | — | $79K |
| JOSEPH RAMAGLIA EIN 13-5624028 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $78K |
| NIRMALA LALL EIN 13-5624028 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $77K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $74K |
| EMPIRX HEALTH NONE | Direct payment from the plan; Claims processing Service code 12 | 155 CHESNUT RIDGE RD MONTVALE, NJ 07645 | $57K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $38K |
| PITTA & GIBLIN LLP EIN 26-3852082 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| MARSHALL & MOSS PAYROLL COMPLIANCE EIN 04-3652965 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $26K |
| MARSHALL & MOSS LLP EIN 11-3360166 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $23K |
| WORKERS ASSISTANCE PROGRAM EIN 20-8231145 | Other insurance fees and expenses; Insurance services Service code 23 | — | $22K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 NONE | Consulting (general); Insurance agents and brokers; Direct payment from the plan Service code 16 | — | $21K |
| PREMIER LABOR BENEFITS EIN 56-2434477 NONE | Insurance services; Other insurance fees and expenses Service code 23 | — | $14K |
| DDS , INC. EIN 11-2705347 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $12K |
| SEGAL SELECT INSURANCE SERVICES,INC EIN 46-0619194 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $7K |
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 | 395 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 395 | $60K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 406 | $975K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 395 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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 compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
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.