Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingPremium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Stop-loss | Stop-loss | |
Broker: Marsh & McLennan Agency LLC DentalVisionLifeSTDOther | DentalVisionLifeSTDOther |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 2 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 250 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 262 | $325K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 262 | $325K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 262 | $325K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 262 | $325K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 251 | $537K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 262 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Guardian Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IBEW-NECA SERVICE CENTER EIN 43-0896804 COMMON AFFILIATION | Plan Administrator; Contract Administrator Service code 13 | — | $170K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services; Contract Administrator Service code 12 | — | $126K |
| SCHEFFEL BOYLE EIN 37-1206530 NONE | Accounting (including auditing) Service code 10 | — | $21K |
| HAMMOND & SHINNERS, P.C. EIN 43-1429257 NONE | Legal Service code 29 | — | $20K |
| MARSH & MCLENNAN EIN 26-3237576 NONE | Consulting (general) Service code 16 | — | $12K |
| EKON BENEFITS EIN 43-1317863 NONE | Actuarial Service code 11 | — | $7K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment management Service code 28 | — | $5K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
1 contact
10 filings · 2016 to 2025