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 3 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 4 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 |
|---|---|---|---|
| IDA SERVICES EIN 13-3155962 NONE | Claims processing Service code 12 | — | $64K |
| MARC GALLO EIN 22-1507478 EMPLOYEE | Plan Administrator; Employee (plan) Service code 14 | — | $40K |
| CHARLES ROLON JR EIN 22-1507478 EMPLOYEE | Employee (plan) Service code 30 | — | $28K |
| MORGAN STANLEY EIN 22-1003680 NONE | Custodial (securities) Service code 19 | — | $27K |
| OP&CM LOCAL UNION NO.29 EIN 22-1173365 PARTY IN INTEREST | Contract Administrator Service code 13 | — | $22K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing) Service code 10 | — | $10K |
| ORANSKY SCARAGGI & BORG PC EIN 22-3522685 NONE | Legal Service code 29 | — | $8K |
| WASILEWSKI & KEATING PC EIN 22-2676761 NONE | Accounting (including auditing) Service code 10 | — | $6K |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 108 | $24K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE CO | 108 | $374K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 108 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole 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.