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 10 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 |
|---|---|---|---|
| FIDELITY INVESTMENTS EIN 04-2647786 | Claims processing Service code 12 | PO BOX 73307 CHICAGO, IL 60673 | $34K |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 | Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $27K |
| UNUM INSURANCE COMPANY EIN 04-2381280 | Insurance brokerage commissions and fees; Other commissions; Non-monetary compensation; Insurance agents and brokers Service code 22 | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | $8K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 | Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers; Other fees Service code 22 | 4100 OKEMOS RD OKEMOS, MI 48864 | $0 |
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 | 2,164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SELECTHEALTH | 2,174 | $19.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 4,086 | $1.3M |
| Vision | NATIONAL VISION ADMINISTRATORS | 3,443 | $166K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,162 | $578K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,162 | $362K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,174 | $9.0M |
| Other(7 contracts, 5 carriers) | UNUM INSURANCE COMPANY | 2,164 | $691K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,086 | — |
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.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.