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 2 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 |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 VENDOR | Claims processing; Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 9201 WATSON RD ST. LOUIS, MO 63126 | $104K |
| IBEW/NECA SERVICE CENTER EIN 43-0896804 PLAN ADMINISTRATOR | Contract Administrator; Plan Administrator Service code 13 | 5735 ELIZABETH AVENUE SAINT LOUIS, MO 63110 | $55K |
| SCHEFFEL BOYLE EIN 37-1206530 AUDITOR | Accounting (including auditing) Service code 10 | 322 STATE STREET ALTON, IL 62002 | $16K |
| MARSH & MCLENNAN EIN 26-3237576 CONSULTANT | Consulting (general) Service code 16 | 825 MARYLAND CENTER DR, STE 209 CHESTERFIELD, MO 63017 | $12K |
| HAMMOND, SHINNERS, TURCOTTE, LARREW EIN 43-1429257 LEGAL COUNSEL | Legal Service code 29 | 7730 CARONDELET AVE, ST 200 ST. LOUIS, MO 63105 | $8K |
| EKON BENEFITS EIN 43-1317863 ACTUARY | Actuarial Service code 11 | 4940 WASHINGTON BLVD ST. LOUIS, MO 63108 | $6K |
| VANGUARD GROUP INC EIN 23-1945930 FINANCIAL ADVISOR | Investment management Service code 28 | PO BOX 2600 VALLEY FORGE, PA 194822600 | $5K |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 259 | $318K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 259 | $318K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 259 | $318K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 259 | $318K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 246 | $477K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 259 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
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.