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 12 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 11 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 |
|---|---|---|---|
| CONTINENTAL BENEFITS EIN 38-3919227 CLAIMS PROCESSING | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $104K |
| INNOVATIVE BENEFIT PLANNING EIN 52-2072161 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $82K |
| AETNA LIFE INSURANCE EIN 06-6033492 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $81K |
| PHIA EIN 46-1439866 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $10K |
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 | 519 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY INC | 683 | $260K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 280 | $40K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 519 | $73K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 519 | $226K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 519 | $70K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 331 | $853K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 519 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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.