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 13 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 13 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 |
|---|---|---|---|
| STATE STREET BANK AND TRUST EIN 04-1867445 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $60K |
| TOWERS WATSON INVESTMENT SVC INC EIN 52-1868818 NONE | Direct payment from the plan; Securities brokerage; Investment management; Investment management fees paid directly by plan Service code 28 | — | $48K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Securities brokerage; Investment management; Investment management fees paid directly by plan Service code 28 | — | $28K |
| SCHENCK SC EIN 39-1173131 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 315 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 619 | $4.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 565 | $203K |
| Vision(6 contracts) | EYEMED VISION CARE | 295 | $41K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 390 | $914K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 390 | $914K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 390 | $914K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 619 | $4.0M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 390 | $919K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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."
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.