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 3 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 |
|---|---|---|---|
| MANNING & NAPIER EIN 45-3240790 NONE | Investment management Service code 28 | — | $217K |
| LEEANN MURPHY EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $171K |
| DEANNA WRAZEN EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $106K |
| JODENE BLAKE EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $104K |
| MORGAN SIUDZINSKI EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $103K |
| HANNAH SNYDER EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $97K |
| ARCARA, LENDA, EUSANIO & STACEY EIN 47-1793720 NONE | Accounting (including auditing) Service code 10 | — | $38K |
| BLITMAN & KING LLP EIN 16-1047304 NONE | Legal Service code 29 | — | $31K |
| O'SULLIVAN & ASSOCIATES EIN 20-8199367 NONE | Actuarial Service code 11 | — | $25K |
| JBM COMPUTER CONSULTANTS EIN 16-1173118 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $18K |
| WILMINGTON TRUST, NA EIN 16-1486454 NONE | Custodial (securities) Service code 19 | — | $16K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $16K |
| M&T BANK CORPORATION EIN 16-0968385 NONE | Custodial (other than securities); Trustee (bank, trust company, or similar financial institution) Service code 18 | — | $9K |
| NETRIO EIN 26-0022778 NONE | Consulting (general) Service code 16 | — | $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 | 906 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 168 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK WESTERN & NORTHEASTERN NEW YORK INC. | 31 | $0 |
| Vision | HIGHMARK WESTERN & NORTHEASTERN NEW YORK INC. | 31 | $0 |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 835 | $241K |
| Prescription drug(2 contracts) | HIGHMARK WESTERN & NORTHEASTERN NEW YORK INC. | 1,069 | $6.0M |
| Other | HIGHMARK WESTERN & NORTHEASTERN NEW YORK INC. | 1,069 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,069 | — |
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 comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
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.