See 2 carrier contracts with Solo.
Solo shows premium, covered lives, retention and the policy renewal window for each contract. $4.99 for your first month, then $34.99 a month. Cancel any time.
See commissions and fees for 3 broker rows with Solo.
Solo shows the commissions and fees paid to each broker on this plan. $4.99 for your first month, then $34.99 a month. Cancel any time.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON RISK SERVICE CENTRAL, INC. 36-4 | Insurance agents and brokers Service code 22 | — | $37K |
| HIGHMARK, INC. EIN 23-1294723 INSURANCE CARRIER | Claims processing Service code 12 | 120 FIFTH AVENUE PITTSBURGH, PA 152223099 | $14K |
| UNITED CONCORDIA COMPANIES, INC. EIN 23-1661402 INSURANCE CARRIER | Claims processing Service code 12 | FIFTH AVENUE PLACE SUITE P2503 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $12K |
| AON RISK SERVICE CENTRAL, INC. EIN 36-4279204 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 625 LIBERTY AVENUE PITTSBURGH, PA 15222 | $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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 112 | $240K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 142 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.