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 3 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 4 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 |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT. | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $1.1M |
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781588 ADMINISTRATION | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $481K |
| MERITAIN HEALTH EIN 16-1264154 ADMINITRATION | Contract Administrator; Accounting (including auditing) Service code 10 | — | $418K |
| GALLAGHER BASSETT SERVICES BROKER | Insurance agents and brokers Service code 22 | 9401 WILLIAMSBURG PLAZA SUITE 101 LOUISVILLE, KY 40222 | $23K |
| FLEX FACTS EIN 27-2036736 ADMINISTRATOR | Plan Administrator Service code 14 | — | $5K |
| CREATIVE BENEFITS, INC. BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19380 | $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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $364K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $364K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF AMERICA | 394 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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."
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.