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 7 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 |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATOR | Direct payment from the plan; Other services; Float revenue; Contract Administrator; Claims processing; Named fiduciary; Non-monetary compensation; Participant communication Service code 12 | — | $35K |
| THOMAS SCHONBERG BROKER | Insurance agents and brokers Service code 22 | 8 WOODS LANE ST RYE, NY 10580 | $33K |
| PROFESSIONAL GROUP PLANS INC. BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD, SUITE 200 HAUPPAUGE, NY 11788 | $28K |
| STEPHEN LOURO BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | $8K |
| CIGNA | Claims processing; Named fiduciary; Participant communication; Contract Administrator; Other services; Direct payment from the plan; Non-monetary compensation; Float revenue 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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. | 114 | $128K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO. | 114 | $128K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $31K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.