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 3 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 |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | 5901 LINCOLN DRIVE EDINA, MN 55436 | $943K |
| ZENITH AMERICAN ADMINISTRATORS EIN 52-1590516 NONE | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | 502 EARTH CITY EXPRESSWAY EARTH CITY, MO 63045 | $117K |
| GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 NONE | Insurance services Service code 23 | PO BOX 8012 APPLETON, WI 54913 | $67K |
| RSM US LLP EIN 42-0714325 NONE | Consulting (general); Accounting (including auditing); Other commissions Service code 10 | 81820 MARYLAND AVE, STE 900 ST LOUIS, MO 63105 | $53K |
| SPECTOR, WOLFE AND MCLAUGHLIN EIN 43-1718339 NONE | Legal Service code 29 | 117 WEST WOODBINE AVE KIRKWOOD, MO 63122 | $31K |
| WESTERHEIDE & COMPANY EIN 43-1176609 NONE | Accounting (including auditing) Service code 10 | 11430 GRAVOIS RD ST. LOUIS, MO 63126 | $26K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial Service code 11 | 1301 FIFTH AVE., SUITE 3800 SEATTLE, WA 98101 | $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 | 1,616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 1,633 | $639K |
| Vision | VISION BENEFITS OF AMERICA | 1,509 | $23K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 1,633 | $639K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 1,633 | $639K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 1,633 | $639K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,633 | — |
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 broker changed. The plan may take a second-look pitch.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.