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 6 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 |
|---|---|---|---|
| GROUP ADMINISTRATORS, LTD EIN 36-3381052 CONTRACT ADMIN ISTRATOR | Claims processing Service code 12 | — | $120K |
| STUDIO MECHANICS LOCAL 476 EIN 36-2088664 EMPLOYER ORGAN IZATION/UN | Direct payment from the plan; Plan Administrator Service code 14 | — | $69K |
| WAMPLER & ASSOCIATES, LLC EIN 32-0106897 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $38K |
| FRINGE FUNDING EIN 36-3177386 INSURANCE BROKER | Direct payment from the plan; Consulting (general); Insurance services Service code 16 | — | $36K |
| FGMK, LLC EIN 36-2929601 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $23K |
| JACOB BURNS, ORLOVE & HERNANDEZ EIN 36-2425981 LAWYER | Legal; Direct payment from the plan Service code 29 | — | $14K |
| TED WINDSOR & ASSOCIATES EIN 36-4374704 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | — | $7K |
| STRATEGIC CAPITAL INVESTMENT ADVISO EIN 36-4268991 INVESTMENT ADVISOR | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $5K |
| COMERICA BANK EIN 36-6602783 INVESTMENT CUSTODIAN | Other services; Shareholder servicing fees; Direct payment from the plan; Other fees; Float revenue; Investment management; Other investment fees and expenses; Custodial (securities) Service code 19 | — | $5K |
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 | 611 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION (BLUE CROSS BLUE SHIELD) | 611 | $446.8M |
| Dental | DELTA DENTAL OF ILLINOIS | 79 | $74K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 489 | $61K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3 | $4K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION (BLUE CROSS BLUE SHIELD) | 611 | $446.8M |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY (OPTUM) | 730 | $0 |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 489 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.
The primary broker changed. The plan may take a second-look pitch.
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.