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 2 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 1 broker row. $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 |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 NONE | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $1.7M |
| BENESYS, INC. EIN 38-2383171 NONE | Plan Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $112K |
| CAVANAGH & O'HARA, LLP EIN 37-1259635 NONE | Legal; Direct payment from the plan Service code 29 | — | $82K |
| ROMOLO & ASSOCIATES EIN 37-1077733 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $55K |
| THE SEGAL COMPANY (MIDWEST), INC EIN 13-1975125 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $48K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $41K |
| UMB BANK EIN 44-0194180 NONE | Investment management fees paid directly by plan; Custodial (securities); Other investment fees and expenses; Investment management; Soft dollars commissions Service code 19 | — | $40K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Claims processing; Direct payment from the plan; Plan Administrator Service code 12 | — | $34K |
| MED-CARE MANAGEMENT EIN 88-0429522 NONE | Other services; Direct payment from the plan Service code 49 | — | $20K |
| ARGENT CAPITAL MANAGEMENT LLC EIN 43-1826950 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $12K |
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 | 817 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHEILD | 2,078 | $5.2M |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 824 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,078 | — |
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.
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
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 is either richly funded or stuck with a bad rate.