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 pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
The filing reports zero broker compensation on a plan over 100 participants. The plan likely buys direct or does not report its broker. Give it a call.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Dental | Dental | |
Vision | Vision | |
Dental | Dental | |
Dental | Dental | |
Dental | Dental |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 5 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 | 1,859 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11,593 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 13,452 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | DELTA PREFERRED NATIONAL | 5,095 | $1.7M |
| Vision | VSP | 4,925 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,095 | - |
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.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOWERS WATSON DELAWARE INC EIN 53-0181291 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 12 | — | $1.6M |
| BANK OF AMERICA NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $244K |
| MERATIVE EIN 88-1430661 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $201K |
| BUCK GLOBAL LLC EIN 83-1116912 NONE | Other services; Direct payment from the plan Service code 49 | — | $136K |
| MERCER HR CONSULTING EIN 13-2836910 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $122K |
| SSDC SERVICES CORP EIN 38-3357459 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Direct payment from the plan Service code 15 | — | $78K |
| WOLVERINE SOLUTIONS EIN 38-2233061 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $52K |
| CASTLIGHT HEALTH EIN 26-1989091 NONE | Other services Service code 49 | — | $41K |
| OPTAVISE EIN 02-0677999 NONE | Other services; Direct payment from the plan Service code 49 | — | $19K |
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.
5 contacts
Phone and email for the actuary and top hat administrator are on Pro.
11 filings · 2015 to 2025