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 3 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 |
|---|---|---|---|
| NOVARA TESIJA, PLLC EIN 38-3507129 NONE | Legal Service code 29 | 2400 TOWN CENTER, STE. 2370 SOUTHFIELD, MI 48075 | $91K |
| UA LOCAL 671 EIN 38-6155145 NONE | Contract Administrator Service code 13 | 309 DETROIT AVE MONROE, MI 48161 | $55K |
| TIC INTERNATIONAL NONE | Claims processing; Contract Administrator; Accounting (including auditing) Service code 10 | 11590 NORTH MERIDIAN ST., SUITE 600 CARMEL, IN 460324529 | $51K |
| FRONTPATH HEALTH COALITION EIN 34-1713951 NONE | Other fees Service code 99 | 12875 ECKEL JUNCTION ROAD PERRYSBURG, OH 43551 | $26K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial Service code 11 | 945 E. OACES ROAD, STE. 2500 ATLANTA, GA 30326 | $15K |
| LUBLINSUSSMAN GROUP, LLP EIN 34-1087273 NONE | Accounting (including auditing) Service code 10 | 3166 N. REPUBLIC BLVD TOLEDO, OH 43615 | $14K |
| BENESYS, INC. EIN 38-2383171 NONE | Contract Administrator; Accounting (including auditing); Claims processing Service code 10 | 700 TOWER DRIVE, STE. 300 TROY, MI 48098 | $11K |
| HEALTHSMART CARE MANAGEMENT SOLUTIO EIN 75-2960859 NONE | Other fees Service code 99 | PO BOX 842088 DALLAS, TX 752842088 | $10K |
| COMERICA BANK EIN 42-1741646 NONE | Investment management Service code 28 | 411 W. LAFAYETTE AVE. DETROIT, MI 48226 | $8K |
| PREMIER HEALTHCARE EXCHANGE EIN 86-1040704 NONE | Other fees Service code 99 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $7K |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 283 | $47K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 283 | $359K |
| Other | HARTFORD LIFE AND ACCIDENT | 0 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.