Filings through .
History & trajectory Charts need 2 or more years. This plan has 9 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.
Multiple-employer welfare arrangement. It has its own regulatory and compliance rules.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Napa Insurance Center HealthRxDentalVisionPPOOther | HealthRxDentalVisionPPOOther | |
Health | Health | |
Health | Health |
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 | 1,818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,821 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,510 | $21.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,510 | $21.6M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,510 | $21.6M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,510 | $21.6M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,510 | $21.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,510 | - |
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: Blue Cross and Blue Shield of Alabama |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAPA INSURANCE CENTER N/A | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 1901 RIO MESA DR. AUSTIN, TX 78732 | $934K |
| TRUST BENEFIT CONSULTANTS N/A | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | SIX CONCOURSE PARKWAY ATLANTA, GA 30328 | $629K |
| POLYCOMP ADMINISTRATION SERVICES EIN 95-2889854 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | PO BOX 12630 SAN DIEGO, CA 92112 | $380K |
| WOLDS LAW GROUP EIN 80-0462356 N/A | Direct payment from the plan; Legal Service code 29 | 4747 EXECUTIVE DRIVE 250 SAN DIEGO, CA 92121 | $126K |
| BAKER TILLY US LLP EIN 30-1413443 N/A | Direct payment from the plan; Accounting (including auditing) Service code 10 | 4747 EXECUTIVE DRIVE, SUITE 1300 SAN DIEGO, CA 92112 | $46K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Accounting (including auditing); Direct payment from the plan Service code 10 | 4747 EXECUTIVE DRIVE, SUITE 1300 SAN DIEGO, CA 92122 | $8K |
| WELLS FARGO BANK, N.A. EIN 94-1347393 N/A | Direct payment from the plan; Other services Service code 49 | 420 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | $6K |
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.
2 contacts
9 filings · 2017 to 2025