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 4 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 |
|---|---|---|---|
| BENESYS INC. EIN 38-6058023 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Copying and duplicating Service code 13 | — | $81K |
| MORGAN STANLEY EIN 26-4310632 NONE | Other investment fees and expenses; Securities brokerage; Custodial (securities); Other services; Direct payment from the plan; Investment advisory (plan); Securities brokerage commissions and fees Service code 19 | — | $47K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Other fees; Other services; Direct payment from the plan Service code 49 | — | $47K |
| HEALTH ALLIANCE PLAN. NONE | Consulting (pension); Insurance services; Other services; Direct payment from the plan Service code 17 | 2850 W. GRAND BLVD DETROIT, MI 48202 | $27K |
| ZELIS NONE | Direct payment from the plan; Consulting (pension); Participant communication; Other services Service code 17 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07920 | $25K |
| HAP PREFERRED INC. EIN 38-2513504 NONE | Participant communication; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $15K |
| WRUBEL WESLEY AND COMPANY C.P.A.'S EIN 38-2574238 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| CVS HEALTH EIN 05-0340626 NONE | Direct payment from the plan; Participant communication; Claims processing; Other services Service code 12 | — | $9K |
| UNITED ACTUARIAL SERVICES NONE | Actuarial; Direct payment from the plan Service code 11 | 11590 NORTH MERIDAN STREET CARMEL, IN 460324529 | $6K |
| COMERICA BANK EIN 38-0477375 NONE | Other services; Direct payment from the plan; Participant communication Service code 38 | — | $6K |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAP PREFERRD INC | 807 | $28K |
| Life insurance(2 contracts, 2 carriers) | UNION LABOR LIFE INSURANCE COMPANY | 360 | $34K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ULLICO | 367 | $281K |
| Other(2 contracts, 2 carriers) | UNION LABOR LIFE INSURANCE COMPANY | 360 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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 carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.