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 4 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 |
|---|---|---|---|
| SEGAL CONSULTING EIN 46-0619194 NONE | Consulting (general) Service code 16 | — | $45K |
| FABIAN & BYRN LLC EIN 25-1914887 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $39K |
| PACKER THOMAS EIN 34-1667340 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
| MEYER, UNKOVIC & SCOTT LLP EIN 25-4008021 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
| CALIBRE CPA GROUP NONE | Accounting (including auditing) Service code 10 | 7501 WISCONSIN AVE BETHESDA, MD 20814 | $5K |
| BOLTON PARTNERS INVESTMENT CONSULTI EIN 52-1871508 NONE | Consulting (general) Service code 16 | — | $5K |
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 | 79 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 77 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 70 | $40K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 71 | $6K |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO | 87 | $19K |
| Other | THE UNION LABOR LIFE INSURANCE CO | 87 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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 carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
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.