See 3 carrier contracts with Solo.
Solo shows premium, covered lives, retention and the policy renewal window for each contract. $4.99 for your first month, then $34.99 a month. Cancel any time.
See commissions and fees for 2 broker rows with Solo.
Solo shows the commissions and fees paid to each broker on this plan. $4.99 for your first month, then $34.99 a month. Cancel any time.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS BLUE SHIELD EIN 22-1412244 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $399K |
| LABOR FIRST MEDICAL COVERAGE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 3000 MIDLANTIC DRIVE STE 101 MOUNT LAUREL, NJ 08054 | $296K |
| KIM E. DEVIZIO EIN 22-1516999 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 136 MOUNT BETHEL ROAD WARREN, NJ 07060 | $115K |
| MARTA K TIRTADJAJA EIN 22-1516999 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 136 MOUNT BETHEL ROAD WARREN, NJ 07060 | $77K |
| LORRIE RAMSEY EIN 22-1516999 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 136 MOUNT BETHEL ROAD WARREN, NJ 07060 | $67K |
| MSPC CPAS & ADVISORS, P.C. EIN 22-2951202 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 340 NORTH AVE CRANFORD, NJ 07016 | $56K |
| BOLTON PARTNERS NONE | Actuarial; Direct payment from the plan Service code 11 | 2277 STATE HWY 33, SUITE 409 TRENTON, NJ 08690 | $35K |
| PRUDENTIAL RETIREMENT INS & ANN CO. EIN 06-1050034 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 280 TRUMBULL STREET HARTFORD, CT 06103 | $20K |
| MR. MICROCHIP SOFTWARE CENTER NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 1975 HEMPSTEAD TPKE, SUITE 406 EAST MEADOW, NY 11554 | $19K |
| LINDABURY MCCORMICK ESTABROOK EIN 22-1943351 NONE | Legal; Direct payment from the plan Service code 29 | 53 CARDINAL DRIVE WESTFIELD, NJ 10122 | $11K |
| LARRY MAGARIK, ESQ NONE | Legal; Direct payment from the plan Service code 29 | 80 EIGHTH AVENUE, SUITE 901 NEW YORK, NY 100117175 | $9K |
| OPTUM RX PRESCRIPTION PROVIDER | Direct payment from the plan; Insurance agents and brokers Service code 22 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $8K |
| J2 GLOBAL INC. D/B/A KEEPITSAFE NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | P.O. BOX 101672 PASADENA, CA 911891672 | $7K |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 431 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Prescription drug | SIERRA HEALTH & LIFE INSURANCE COMPANY, INC | 495 | $1.6M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 561 | $169K |
| Other | FEDERAL INSURANCE COMPANY | 450 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.
The primary broker changed. The plan may take a second-look pitch.
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
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.