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 6 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 7 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 |
|---|---|---|---|
| OPTUM RX EIN 33-0441200 PHARMACY BENEFIT MGMT | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $995K |
| UMR INSURANCE COMPANIES EIN 39-1995276 CLAIMS PROCESSOR | Insurance agents and brokers; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator; Other fees Service code 12 | — | $384K |
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 CLAIMS PROCESSOR | Other services; Other fees; Float revenue; Contract Administrator; Claims processing; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $233K |
| COORDINATED CARE PROGRAMS LLC COORDINATED CARE | Other fees; Direct payment from the plan Service code 50 | 44 W 28TH STREET NEW YORK, NY 10001 | $223K |
| BENEFIT TECHNOLOGY RESOURCES, LLC COMPUTER SERVICE | Direct payment from the plan; Other services Service code 49 | 1700 N BROADWAY AVENUE SUITE 116 ROCHESTER, MN 55901 | $52K |
| DELTA DENTAL EIN 35-1545647 BENEFIT ADMINISTRATOR | Direct payment from the plan; Other fees Service code 50 | — | $24K |
| BASIC EIN 38-2883561 COBRA ADMIN FEES | Direct payment from the plan; Contract Administrator Service code 13 | — | $9K |
| MDX MEDICAL, INC. COST EFFECTIVE CARE | Other fees; Direct payment from the plan Service code 50 | 160 CHUBB AVENUE #301 LYNDHURST, NJ 07071 | $8K |
| EDISON HEALTHCARE COST EFFECTIVE CARE | Other fees; Direct payment from the plan Service code 50 | 100 S. RIVERFRONT DRIVE SUITE 400 JENKS, OK 74037 | $7K |
| RX HELP CENTER, LLC EIN 46-2125122 COST EFFECTIVE CARE | Other fees; Direct payment from the plan Service code 50 | — | $6K |
| ANTHEM INSURANCE COMPANIES, INC. | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue Service code 12 | — | $0 |
| GIBSON INSURANCE AGENCY INC. | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $0 |
| INSURANCE EXCHANGE, INC. | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $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 | 1,257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM INSURANCE COMPANIES | 782 | $699K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 879 | $274K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 879 | $125K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 879 | $55K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES | 879 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 471 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 879 | — |
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."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
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.
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.