See 44 carrier contracts with Solo.
Solo shows premium, covered lives, retention and the policy renewal window for each contract. $4.99 for your first month, then $34.99 a month. Cancel any time.
See commissions and fees for 36 broker rows with Solo.
Solo shows the commissions and fees paid to each broker on this plan. $4.99 for your first month, then $34.99 a month. Cancel any time.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $4.6M |
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 CLAIMS ADMIN. | Contract Administrator; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Float revenue; Other services Service code 12 | — | $2.5M |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 BROKER | Other commissions Service code 55 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | $279K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMINISTRATIVE SERVICE | Contract Administrator Service code 13 | — | $155K |
| LIFE INSURANCE COMPANY OF NORTH AME EIN 23-1503749 ADMINISTRATIVE SERVICE | Insurance services Service code 23 | — | $120K |
| CIGNA HEALTH & LIFE INSURANCE CO | Other services; Direct payment from the plan; Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Float revenue; Contract Administrator 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 | 64,870 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11,141 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 76,011 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 894 | $133K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7,936 | $1.2M |
| Vision(11 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 42,372 | $7.2M |
| Life insurance(5 contracts, 4 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 66,218 | $26.0M |
| Short-term disability(8 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,626 | $3.0M |
| Long-term disability(11 contracts, 7 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,040 | $4.3M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 61 | $31K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 8,549 | $3.6M |
| Other(11 contracts, 10 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 66,218 | $19.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 66,218 | — |
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."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
The primary broker changed. The plan may take a second-look pitch.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.