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 13 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 12 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 |
|---|---|---|---|
| MESIROW INSURANCE SERVICES EIN 36-3429604 BROKER | Insurance agents and brokers Service code 22 | — | $175K |
| PAYFLEX SYSTEMS USA EIN 91-1774434 FSA SERVICES | Contract Administrator Service code 13 | — | $71K |
| UNUM LIFE INSURANCE CO. OF AMERICA EIN 01-0278678 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $27K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ASO SERVICES | Claims processing; Contract Administrator; Float revenue; Non-monetary compensation; Participant communication; Direct payment from the plan; Other services Service code 12 | — | $10K |
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 | 1,005 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,645 | $6.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 16 | $249K |
| Vision | VISION SERVICE PLAN | 624 | $68K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 989 | $567K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 312 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,260 | $128K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE OF AMERICA | 998 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,645 | — |
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.