Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HealthDentalVisionLifePPOHMO | HealthDentalVisionLifePPOHMO | |
HealthHMO | HealthHMO | |
Broker: Gallagher Benefit Services, Inc Life | Life |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 4 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,064 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,064 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,585 | $13.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,585 | $8.3M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,585 | $8.3M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,064 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,064 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Unum Life Insurance Company of America |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER INVESTMENT MANAGEMENT EIN 30-0282430 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 51 | — | $618K |
| APTIA INSURANCE SERVICES GROUP, LLC EIN 93-1669497 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Participant communication Service code 15 | — | $214K |
| RISK PROGRAM ADMINISTRATORS LLC EIN 30-0837669 NONE | Contract Administrator; Copying and duplicating Service code 13 | — | $150K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $34K |
| STATE STREET RESEARCH & MANAGEMENT EIN 13-3142135 NONE | Custodial (securities); Investment management fees paid indirectly by plan; Custodial (other than securities); Investment management fees paid directly by plan Service code 18 | — | $16K |
| NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $10K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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11 filings · 2015 to 2025