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 24 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 33 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 |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS PROCESSOR | Other services; Direct payment from the plan; Claims processing; Non-monetary compensation; Named fiduciary; Float revenue; Contract Administrator; Participant communication Service code 12 | A CIGNA COMPANY HARTFORD, CT 06152 | $3.0M |
| DDMN ASO, LLC EIN 41-1905554 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | 7807 CREEKRIDGE CIR MINNEAPOLIS, MN 55439 | $32K |
| MIGDON, STUART M BROKER | Insurance agents and brokers Service code 22 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | $5K |
| BENEFIT RESOURCE,INC. EIN 84-2247659 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | 245 KENNETH DR. ROCHESTER, NY 14623 | $3K |
| CIGNA | Other services; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Float revenue; Participant communication; Contract Administrator Service code 12 | — | $0 |
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 | 5,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLANS INC | 177 | $2.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,309 | $2.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,541 | $219K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 5,556 | $560K |
| Short-term disability(10 contracts, 3 carriers) | AFLAC | 2,079 | $1.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,967 | $463K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,954 | $1.7M |
| Other(15 contracts, 6 carriers) | AFLAC | 5,556 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,954 | — |
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.
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.