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 1 contract row 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 |
|---|---|---|---|
| M SCAPTURA EIN 16-6052225 EMPLOYEE | Employee (plan) Service code 30 | — | $82K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 11-3658445 INVESTMENT ADVISOR | Other investment fees and expenses; Securities brokerage; Direct payment from the plan; Investment advisory (plan); Securities brokerage commissions and fees; Other services; Other fees Service code 27 | — | $36K |
| SHEET METAL WORKERS LOCAL 112 EIN 16-0578131 ADMINISTRATION | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $21K |
| MENGEL, METZGER, BARR & CO. LLP EIN 16-1092347 AUDITOR | Accounting (including auditing) Service code 10 | — | $17K |
| BENEFIT RESOURCE LLC EIN 16-1428488 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $11K |
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 INSURANCE CARRIER | Claims processing Service code 12 | — | $11K |
| JUDITH J GUSH EIN 47-2595681 OUTSIDE ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $8K |
| OSULLIVAN ASSOCIATES EIN 22-1837827 ACTUARY | Actuarial Service code 11 | — | $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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 206 | $2.3M |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 206 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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 primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
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.