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 pricingPremium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The final-filing indicator is set. The plan is winding down. Skip it for sales.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Health | Health | |
Broker: Ap Benefit Advisors, LLC LifeOtherLTD | LifeOtherLTD | |
Dental | Dental | |
Broker: Ap Benefit Advisors, LLC Other | Other | |
Vision | Vision |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 13 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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 449 | $8.3M |
| Dental | DELTA DENTAL OF KENTUCKY | 9,484 | $6.4M |
| Vision | VISION SERVICE PLAN | 6,275 | $1.1M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,201 | $5.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,200 | $2.3M |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,201 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,484 | - |
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: Lincoln National Life Insurance Company | |
Carrier: Reliastar Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $4.2M |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 MEDICAL BROKER | Other commissions Service code 55 | — | $313K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 STD/PAID LEAVE ASO | Claims processing Service code 12 | — | $258K |
| GENOMIC LIFE EIN 82-1425278 CANCER GAURDIAN | Contract Administrator; Claims processing Service code 12 | — | $220K |
| SONTIQ, INC. EIN 26-4822613 IDENTITY THEFT PROTECTION | Claims processing Service code 12 | — | $216K |
| EXPRESS SCRIPTS EIN 43-1420563 RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $181K |
| BLUECROSS BLUE SHIELD OF FL EIN 59-2015694 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $169K |
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.
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11 filings · 2015 to 2025