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 |
|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC EIN 45-2642901 BENEFITS BROKER | Consulting (general); Float revenue; Insurance agents and brokers; Direct payment from the plan; Insurance services Service code 16 | 875 AVENUE OF THE AMERICAS SUITE 1010 NEW YORK, NY 10001 | $120K |
| ALLIED BENEFIT SYSTEMS LLC EIN 36-3088057 TPA | Plan Administrator; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Consulting (general) Service code 14 | 200 W. ADAMS ST SUITE 500 CHICAGO, IL 60606 | $94K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 PPO | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing; Other services Service code 12 | 900 COTTAGE GROWN RD BLOOMFIELD, CT 06002 | $55K |
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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 446 | $322K |
| Vision | GUARDIAN | 446 | $322K |
| Life insurance | GUARDIAN | 446 | $322K |
| Short-term disability | GUARDIAN | 446 | $322K |
| Long-term disability | GUARDIAN | 446 | $322K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 291 | $328K |
| Other | GUARDIAN | 446 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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."
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.