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 1 broker row. $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 |
|---|---|---|---|
| CAPITAL DISTRICT PHYSICIAN'S HEALTH EIN 14-1641028 NONE | Claims processing Service code 12 | — | $192K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial Service code 11 | — | $48K |
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Other investment fees and expenses; Securities brokerage; Other services; Direct payment from the plan; Investment advisory (plan); Securities brokerage commissions and fees Service code 27 | — | $47K |
| MICHAEL BRADY EIN 14-1437195 EMPLOYEE | Employee (plan); Plan Administrator Service code 14 | — | $45K |
| TEAL BECKER & CHIARAMONTE, CPAS PC EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $31K |
| POZEFSKY, BRAMLEY, & MURPHY EIN 14-1601487 NONE | Legal Service code 29 | — | $22K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing Service code 12 | — | $19K |
| DELTA DENTAL EIN 11-1980218 NONE | Claims processing Service code 12 | — | $16K |
| WRIGHT INVESTOR SERVICES EIN 06-1444342 NONE | Investment management Service code 28 | — | $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 | 397 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 429 | $17K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 430 | $180K |
| Other | THE UNION LABOR LIFE INSURANCE CO. | 429 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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."
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.