Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingThe primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Ap Benefit Advisors LLC LifeLTDOther | LifeLTDOther | |
Broker: Ap Benefit Advisors LLC Other | Other |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 6 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 64 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,667 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,590 | $1.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,590 | $1.8M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,590 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,590 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Unum Insurance Company | |
Carrier: Metlife Legal Plans | |
Carrier: Unum Life Insurance Company of America |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-2184623 MEDICAL/RX ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $1.5M |
| WELLWORKS EIN 26-3082277 CONTRACT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $363K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 RX BENEFITS | Claims processing; Contract Administrator Service code 12 | — | $254K |
| TALKSPACE NETWORKS LLC TELEHEALTH ADMIN | Claims processing Service code 12 | 33 W 60TH STREET 8TH FLOOR NEW YORK, NY 10023 | $138K |
| UNUM EIN 01-0278678 STD ASO | Claims processing; Contract Administrator Service code 12 | — | $118K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 DENTAL ADMIN | Claims processing; Contract Administrator Service code 12 | — | $106K |
| REVIVEHEALTH EIN 86-1279290 TELEMEDICINE SERVICES | Claims processing Service code 12 | — | $89K |
| CAREBRIDGE CORPORATION EIN 23-2614764 EAP ADMIN | Claims processing; Contract Administrator Service code 12 | — | $47K |
| WEX INC. COBRA/FSA FEES | Claims processing; Contract Administrator Service code 12 | 700 26TH AVE E WEST FARGO, ND 58078 | $36K |
| HEALTH ADVOCATE SOLUTIONS, INC. EIN 23-3080019 NONE | Claims processing Service code 12 | — | $35K |
| VISION BENEFITS OF AMERICA EIN 25-1149206 VISION ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $14K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
4 contacts
Phone and email for the top hat administrator are on Pro.
11 filings · 2015 to 2025