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.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS MANAGEMENT GROUP, INC EIN 20-0188125 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $266K |
| MERRILL LYNCH EIN 13-5674085 NONE | Non-monetary compensation; Investment management fees paid directly by plan; Sub-transfer agency fees; Distribution (12b-1) fees; Custodial (other than securities); Securities brokerage commissions and fees; Other services Service code 18 | — | $116K |
| CAVANAGH & O'HARA EIN 37-1259635 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $88K |
| TFBC, LLC EIN 27-3782504 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $84K |
| INETICO, LLC DBA VALENZ CARE EIN 36-4869660 NONE | Consulting (general); Direct payment from the plan; Other services Service code 16 | — | $80K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $74K |
| ROMOLO & ASSOCIATES, LLC EIN 84-2885766 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $64K |
| KERBER, ECK & BRAECKEL LLP EIN 43-0352985 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $51K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Other services; Direct payment from the plan Service code 49 | — | $11K |
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 | 695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 247 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 1,847 | $10.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,847 | — |
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.
The filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported. Worth a call.