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 |
|---|---|---|---|
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $73K |
| DANIEL H. COOK ASSOCIATES, INC EIN 11-2424843 CONTRACT ADMIN | Direct payment from the plan; Contract Administrator Service code 13 | — | $72K |
| COLLERAN, O'HARA & MILLS, LLP EIN 11-2940050 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $28K |
| THE SEGAL CO. (EASTERN STATES), INC EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $24K |
| LAW OFFICE OF STEVEN N. DAVI, PLLC EIN 82-4935807 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| WELLS FARGO ADVISORS, LLC EIN 34-1542819 NONE | Custodial (securities); Investment advisory (plan); Investment management fees paid indirectly by plan; Distribution (12b-1) fees; Investment management fees paid directly by plan; Float revenue Service code 19 | — | $6K |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 128 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 80 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 151 | $27K |
| Short-term disability(2 contracts) | THE UNION LABOR LIFE INSURANCE COMPANY | 151 | $44K |
| Other(2 contracts) | THE UNION LABOR LIFE INSURANCE COMPANY | 151 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
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.