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 6 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 |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MI EIN 38-2069753 TPA | Insurance services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Other commissions; Claims processing; Other fees; Float revenue; Contract Administrator; Non-monetary compensation Service code 12 | — | $686K |
| SUGARMAN & SUSSKIND EIN 59-2539792 ATTORNEY FIRM | Legal Service code 29 | 100 MIRACLE MILE, SUITE 300 CORAL GABLES, FL 33134 | $159K |
| SUDLER INSURANCE SERVICES EIN 65-0588651 INSURANCE SERVICES | Insurance services Service code 23 | 5850 CORAL RIDGE DR., SUITE 103-C CORAL SPRINGS, FL 33076 | $90K |
| THE SEGAL COMPANY EIN 13-1975123 ACTURIAL FIRM | Actuarial Service code 11 | 101 NORTH WACKER DRIVE, SUITE 500 CHICAGO, IL 606061724 | $81K |
| COHEN & COMPANY, LTD EIN 34-1912961 CPA FIRM | Accounting (including auditing) Service code 10 | 21420 GREATER MACK ST CLAIR SHORES, MI 48080 | $36K |
| CALDWELL ADVISORS LLC EIN 11-3814029 INVESTMENT MGR | Investment management Service code 28 | 5210 MARYLAND WAY, SUITE 202 BRENTWOOD, TN 37027 | $20K |
| CHICAGO EQUITY PARTNERS EIN 36-4338679 CUSTODIAN | Other investment fees and expenses; Custodial (securities) Service code 19 | 6069 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $18K |
| ATLANTA CAPITAL EIN 58-2236910 INVESTMENT MGR | Investment management Service code 28 | 1075 PEACHREE ST NE SUITE 2100 ATLANTA, GA 30309 | $12K |
| INVESCO ADVISORS EIN 58-1707262 INVESTMENT MGR | Investment management Service code 28 | 1555 PEACHTREE STREET, NE ATLANTA, GA 30309 | $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 | 1,495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 737 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $0 |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 135 | $28K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 135 | $28K |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO | 625 | $55K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $0 |
| Other(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE CO | 625 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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.
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.