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 20 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 15 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. | Other services; Float revenue; Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation Service code 12 | — | $1.6M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.4M |
| HARDEN & ASSOCIATES INC EIN 59-2142739 BROKER | Other commissions Service code 55 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | $88K |
| CIGNA HEALTH & LIFE INSURANCE CO | Other services; Float revenue; Contract Administrator; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary 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 | 51,209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,649 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 60,858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,287 | $971K |
| Vision(6 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 34,524 | $5.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 52,439 | $18.5M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,816 | $38K |
| Long-term disability(5 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,217 | $1.2M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 90 | $46K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,806 | $355K |
| Other(5 contracts, 5 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 52,439 | $11.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52,439 | — |
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 broker changed. The plan may take a second-look pitch.