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 2 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.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEM GROUP EIN 26-1603738 NONE | Contract Administrator Service code 13 | — | $161K |
| COWDEN & ASSOCIATES EIN 25-1750131 NONE | Consulting (general); Actuarial Service code 11 | — | $72K |
| TUCKER ARENSBERG EIN 25-0711430 NONE | Legal Service code 29 | — | $19K |
| C.S. MCKEE EIN 25-1095051 NONE | Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $19K |
| DICLAUDIO & KRAMER, LLC EIN 27-0889793 NONE | Accounting (including auditing) Service code 10 | — | $11K |
| ABM CONSULTING LLC TRUSTEE | Other fees; Trustee (individual) Service code 20 | 104 MIDWAY DRIVE MCKEES ROCKS, PA 15136 | $6K |
| CIM INVESTMENT MANAGEMENT EIN 25-1738846 NONE | Soft dollars commissions; Investment management Service code 28 | — | $3K |
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 | 991 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 393 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 2,729 | $9.9M |
| Prescription drug | HIGHMARK INC. | 2,729 | $2.6M |
| Other | HIGHMARK INC. | 2,729 | $9.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,729 | — |
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.
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.
The filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported. Worth a call.