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 3 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 |
|---|---|---|---|
| CITIZENS RX LLC EIN 27-2485135 NONE | Claims processing; Direct payment from the plan Service code 12 | 1144 LAKE STREET OAK PARK, IA 60301 | $201K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $101K |
| STEAMFITTERS LOCAL 439 UNION | Participant communication; Direct payment from the plan; Employee (plan) Service code 30 | 1220 DONALD BAILEY DR. CASEYVILLE, IL 62232 | $35K |
| EKON BENEFITS EIN 43-1317863 NONE | Actuarial; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 11 | 4940 WASHINGTON BLVD ST. LOUIS, MO 63108 | $35K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 800 MARKET STREET SUITE 500 ST. LOUIS, MO 63101 | $24K |
| US BANK EIN 31-0841368 NONE | Investment management; Direct payment from the plan; Custodial (securities) Service code 19 | 505 NORTH 7TH STREET 10TH FLOOR ST. LOUIS, MO 63101 | $22K |
| H&H HEALTH ASSOCIATES EIN 43-1710299 NONE | Other services; Direct payment from the plan Service code 49 | 3660 SOUTH GEYER ROAD SUITE 100, LAUMEIER III ST. LOUIS, MO 63127 | $21K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | $6K |
| BUFFI GASS NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 303 EMILY DR. OFALLON, IL 62269 | $6K |
| HAMMOND AND SHINNERS, P.C. EIN 43-1429257 NONE | Legal; Direct payment from the plan Service code 29 | 13205 MANCHESTER RD. DES PERES, MO 63131 | $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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 198 | $24K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 202 | $4K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 138 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
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.
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.