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 5 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 9 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 |
|---|---|---|---|
| JEFFREY W KROL & ASSOCIATES, LTD. EIN 36-3094368 NONE | Accounting (including auditing) Service code 10 | — | $57K |
| FGMK, LLC EIN 36-2929601 NONE | Accounting (including auditing) Service code 10 | — | $32K |
| THOMAS PARAVOLA EIN 36-0522075 NONE | Legal Service code 29 | — | $28K |
| JAMES MELTREGER EIN 36-6108981 OFFICER-REL UNION& PII | Employee (plan) Service code 30 | — | $21K |
| VINCENT SENESE EIN 36-6108981 FAMILY TO PARTY IN INTERE | Employee (plan) Service code 30 | — | $8K |
| LANER MUCHIN, LTD. EIN 36-3088463 EMPLOYER TRUSTEE | Trustee (individual) Service code 20 | — | $6K |
| TAMMY HENRICHS EIN 36-6108981 OFFICER-RELATED UNION | Employee (plan) Service code 30 | — | $5K |
| JEFFREY PIERUCCI EIN 36-6108981 OFFICER-RELATED UNION | Employee (plan) Service code 30 | — | $3K |
| SHAWN FORD EMPLOYER TRUSTEE | Trustee (individual) Service code 20 | 4608 HOLLY STREET KANSAS CITY, MO 64112 | $3K |
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 | 2,352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 201 | $1.4M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 330 | $191K |
| Vision(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 356 | $221K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 356 | $221K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 330 | $173K |
| Other | GUARDIAN | 0 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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 compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.