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 5 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 1 broker row. $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 |
|---|---|---|---|
| BENESYS, INC. NONE | Direct payment from the plan; Contract Administrator Service code 13 | 7180 KOLL CENTER PKWY PLEASANTON, CA 94556 | $338K |
| WITHUM SMITH & BROWN PC EIN 22-2029790 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $100K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $75K |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4334852 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $66K |
| DELTA DENTAL EIN 94-1461312 NONE | Direct payment from the plan Service code 50 | — | $60K |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 NONE | Direct payment from the plan Service code 50 | — | $59K |
| KRAW LAW GROUP EIN 77-0171216 NONE | Legal; Direct payment from the plan Service code 29 | — | $35K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $33K |
| NEYHART, ANDERSON, FLYNN & GROSBOLL NONE | Legal; Direct payment from the plan Service code 29 | 369 PINE ST STE 800 SAN FRANCISCO, CA 94104 | $25K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $16K |
| MCMENOMY & ASSOCIATES CPAS LLP EIN 46-1559312 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| SEGALL BRYANT & HAMILL EIN 41-1788385 NONE | Investment management; Direct payment from the plan Service code 28 | — | $9K |
| ATALANTA SOSNOFF CAPITAL LLC EIN 13-3098640 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $7K |
| VISION SERVICE PLAN EIN 13-2770433 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 1,569 | $0 |
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 529 | $18K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 529 | $826K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,569 | — |
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.
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.