Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingTotal premium grew more than 20% over the prior year. The plan is a good candidate to re-shop its carriers.
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The filing reports zero broker compensation on a plan over 100 participants. The plan likely buys direct or does not report its broker. Give it a call.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HealthPPO | HealthPPO | |
Life | Life | |
HealthHMO | HealthHMO | |
Life | Life |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 6 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19,584 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,584 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | SIERRA HEALTH & LIFE INSURANCE COMPANY, INC. | 9,225 | $22.0M |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 5,205 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,225 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $756K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Other services; Direct payment from the plan Service code 49 | — | $605K |
| WAGEWORKS EIN 94-3351864 NONE | Account maintenance fees; Contract Administrator; Claims processing Service code 12 | — | $235K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $204K |
| CROWE LLP EIN 35-0921680 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $130K |
| AON CONSULTING, INC. EIN 22-2232264 NONE | Consulting fees; Contract Administrator; Consulting (general); Direct payment from the plan Service code 13 | — | $81K |
| DDMN ASO, LLC EIN 41-1852523 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $42K |
| JEFFREY S. POLINCHOCK, CPA EIN 20-1159334 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $10K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
9 contacts
Phone and email for the actuary are on Pro.
11 filings · 2015 to 2025