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 6 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 5 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 |
|---|---|---|---|
| HILB GROUP OF MARYLAND EIN 47-4324398 PRODUCER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $65K |
| ULTRABENEFITS, INC. EIN 04-3525752 BENEFITS ADMINISTRATOR | Contract Administrator; Claims processing; Insurance agents and brokers Service code 12 | — | $21K |
| CIGNA EIN 59-1031071 TPA | Claims processing; Contract Administrator; Insurance services Service code 12 | — | $11K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 UR/ CASE MANAGEMENT | Contract Administrator; Consulting (general); Claims processing Service code 12 | — | $4K |
| RIGHTWAY (CD1) EIN 82-0865206 CONCIERGE | Consulting (general); Contract Administrator Service code 13 | — | $2K |
| TELEDOC EIN 20-1020949 NETWORK | Insurance agents and brokers; Insurance services; Other insurance fees and expenses Service code 22 | — | $1K |
| PHIA GROUP EIN 04-3504115 FIDUCIARY | Named fiduciary Service code 31 | — | $743 |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $60K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $60K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $15K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 51 | $288K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
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.