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 5 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 6 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 |
|---|---|---|---|
| CARMEN O'NEAL EIN 16-0849723 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $42K |
| RACHEL BOHM EIN 16-0849723 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $34K |
| TRONCONI SEGARRA & ASSOCIATES LLP EIN 04-3728817 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 11-3658445 NONE | Other investment fees and expenses; Direct payment from the plan; Other services; Investment advisory (plan); Securities brokerage; Other fees; Recordkeeping fees; Custodial (securities); Recordkeeping and information management (computing, tabulating, data processing, etc.); Securities brokerage commissions and fees Service code 15 | — | $20K |
| ARCARA LENDA EUSANIO & STACEY EIN 47-1793720 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| SLEVIN & HART PC EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 91 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 97 | $1000K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $35K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $26K |
| Prescription drug(3 contracts, 3 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 97 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.