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 21 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.
See commissions and fees for 14 broker rows. $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.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 CLAIMS ADMIN. | Named fiduciary; Participant communication; Float revenue; Claims processing; Direct payment from the plan; Contract Administrator; Other services; Non-monetary compensation Service code 12 | — | $1.5M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.2M |
| HARDEN & ASSOCIATES INC EIN 59-2142739 BROKER | Other commissions Service code 55 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | $84K |
| CIGNA HEALTH & LIFE INSURANCE CO | Non-monetary compensation; Named fiduciary; Participant communication; Claims processing; Contract Administrator; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $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 | 49,994 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,164 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 59,158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,658 | $1.1M |
| Vision(6 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 32,537 | $5.6M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 50,045 | $17.6M |
| Short-term disability(2 contracts) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,792 | $126K |
| Long-term disability(5 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,308 | $1.5M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 93 | $36K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,667 | $710K |
| Other(5 contracts, 5 carriers) | CONSUMERS LIFE INSURANCE COMPANY | 54,475 | $10.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,475 | — |
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."
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.