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 |
|---|---|---|---|
| CONNECTICUT GENERAL LIFE INSURANCE EIN 84-0467907 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 900 COTTAGE GROVE RD HARTFORD, CT 061527314 | $207K |
| BMI AUDIT SERVICES AUDITORS | Accounting (including auditing) Service code 10 | — | $29K |
| MAHON, MCKENZIE & COLSON CPAS EIN 46-3729406 AUDITOR | Accounting (including auditing) Service code 10 | 2444 HWY 34 SUITE C MANASQUAN, NJ 08736 | $12K |
| MORGAN STANLEY EIN 26-4310632 RIA | Investment advisory (plan); Insurance agents and brokers Service code 22 | 55 BROAD STREET RED BANK, NJ 07701 | $11K |
| EH THOMSON & CO., INC EIN 22-2602083 ACTUARY | Recordkeeping fees; Actuarial; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 11 | 800 THE PLAZA SEA GIRT, NJ 08750 | $5K |
| CONN. GEN LIFE INS. CO. FOR G.W. | Participant communication; Float revenue; Contract Administrator; Direct payment from the plan; Non-monetary compensation; Claims processing; Other services; Named fiduciary Service code 12 | — | $0 |
| CONN. GEN. LIFE INS. CO. FOR G.W. | Float revenue; Contract Administrator; Direct payment from the plan; Claims processing; Other services; Non-monetary compensation; Participant communication; Named fiduciary Service code 12 | — | $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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INS. CO. | 256 | $840K |
| Life insurance | LIFE INSURANCE CO. OF NORTH AMERICA | 254 | $18K |
| Long-term disability | LIFE INSURANCE CO. OF NORTH AMERICA | 254 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
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.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.