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 2 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 |
|---|---|---|---|
| CENTRAL LABORERS PENSION FUND EIN 37-6052379 RELATED PARTY | Direct payment from the plan; Plan Administrator Service code 14 | — | $1.4M |
| SEGAL COMPANY EIN 13-1975125 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $138K |
| LABORERS HEALTH & SAFETY EIN 52-1569286 NONE | Direct payment from the plan; Other fees Service code 50 | — | $90K |
| BEACON TECHNOLOGIES GROUP INC EIN 35-2060827 NONE | Other fees; Other services; Direct payment from the plan Service code 49 | — | $75K |
| MCDONNELL INVESTMENT MANAGEMENT, LL EIN 46-1057753 NONE | Investment management fees paid directly by plan; Securities brokerage; Other fees; Investment management Service code 28 | — | $63K |
| HEALTHLINK EIN 43-1616135 NONE | Direct payment from the plan; Other fees Service code 50 | — | $44K |
| EXPRESS SCRIPTS INC EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $34K |
| ROMOLO & ASSOCIATES EIN 37-1077733 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| EPLAN EIN 20-3720767 NONE | Other services; Direct payment from the plan Service code 49 | — | $14K |
| CAVANAGH & O'HARA LLP EIN 37-1259635 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
| SEGAL SELECT INSURANCE EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $6K |
| ZUMBAHLEN & ASSOCIATES EIN 37-1094064 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $6K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $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 | 1,602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 216 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 1,406 | $10.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,929 | $38K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 2,100 | $525K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,929 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,100 | — |
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 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.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.