Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 6 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 5,274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,030 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,304 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 847 | $2.3M |
| Vision | VISION SERVICE PLAN | 5,449 | $957K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 5,372 | $705K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INDURANCE COMPANY OF AMERICA | 5,145 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,897 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Vision Service Plan | |
Carrier: Standard Insurance Company | |
Carrier: The Guardian Life Indurance Company of America | |
Carrier: Dearborn National Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SOUTHWEST SERVICE ADMINISTRATORS NONE | Claims processing Service code 12 | 2550 W UNION HILLS DR., UNIT 250 PHOENIX, AZ 85027 | $1.0M |
| EMPIRX HEALTH EIN 47-1226691 NONE | Contract Administrator Service code 13 | — | $734K |
| CONIFER VALUE-BASED CARE, LLC EIN 52-1964905 NONE | Other services Service code 49 | — | $547K |
| PAYDHEALTH LLC NONE | Contract Administrator Service code 13 | PO BOX 840557 LOS ANGELES, CA 900840557 | $497K |
| EPLAN LLC EIN 20-3720767 NONE | Other services Service code 49 | — | $465K |
| NATIONAL INVESTMENT SERVICES, INC EIN 84-3937993 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $358K |
| EXPRESS SCRIPTS NONE | Contract Administrator Service code 13 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $337K |
| JOHNSON & KROL, LLC EIN 36-4342024 NONE | Legal Service code 29 | — | $209K |
| MORGAN, LEWIS & BOCKUS LLP EIN 23-0891050 NONE | Legal Service code 29 | — | $194K |
| BRIDGEWAY SOFTWARE SOLUTIONS EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $141K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Claims processing Service code 12 | — | $125K |
| JEANINE EARTH-GILLUND EIN 36-2331071 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $122K |
| FOSTER & FOSTER INC. EIN 59-1921114 NONE | Actuarial; Consulting (general) Service code 11 | — | $110K |
| MACNELL ACCOUNTING AND CONSULTING L EIN 30-0510353 NONE | Accounting (including auditing) Service code 10 | — | $106K |
| VALENZ CARE NONE | Other services Service code 49 | 23048 N. 15TH AVENUE PHOENIX, AZ 85027 | $98K |
| ANNE PENNEY EIN 36-2331071 EMPLOYEE | Employee (plan) Service code 30 | — | $93K |
| ABSOLUTE SOLUTIONS LLC NONE | Other services Service code 49 | 2863 W 95TH STREET SUITE 143 NAPERVILLE, IL 60564 | $71K |
| KRISTINE BENDY EIN 36-2331071 EMPLOYEE | Employee (plan) Service code 30 | — | $67K |
| TELADOC EIN 04-3705970 NONE | Other services Service code 49 | — | $67K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $65K |
| KRISTIN LINK EIN 36-2331071 EMPLOYEE | Employee (plan) Service code 30 | — | $61K |
| MELANIE MULHERON EIN 36-2331071 EMPLOYEE | Employee (plan) Service code 30 | — | $61K |
| OLD NATIONAL BANK EIN 35-1539838 NONE | Custodial (securities) Service code 19 | — | $53K |
| MILLIMAN, INC EIN 91-0675641 NONE | Actuarial Service code 11 | — | $39K |
| LISA CONNER EIN 36-2331071 EMPLOYEE | Employee (plan) Service code 30 | — | $35K |
| STRATEGIC CAPITAL INVEST ADVISORS EIN 36-4268991 NONE | Consulting (general) Service code 16 | — | $31K |
| NICOLE KERKSTRA EIN 36-2331071 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| DEBBIE SMITH EIN 36-2331071 EMPLOYEE | Employee (plan) Service code 30 | — | $28K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 NONE | Actuarial; Consulting (general) Service code 11 | — | $27K |
| K-PLUS TECHNOLOGY SOLUTIONS EIN 36-4282001 NONE | Other services Service code 49 | — | $19K |
| ONSITE LOGIC NONE | Other services Service code 49 | 8700 MONROVIA STREET, SUITE 310 LENEXA, KS 66215 | $8K |
| ELITE ADMINISTRATION & INSURANCE EIN 36-2238689 NONE | Insurance agents and brokers Service code 22 | — | $0 |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Claims processing Service code 12 | — | $0 |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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11 filings · 2015 to 2025