See 6 carrier contracts with Solo.
Solo shows premium, covered lives, retention and the policy renewal window for each contract. $4.99 for your first month, then $34.99 a month. Cancel any time.
See commissions and fees for 13 broker rows with Solo.
Solo shows the commissions and fees paid to each broker on this plan. $4.99 for your first month, then $34.99 a month. Cancel any time.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF NY DBA OPUS ADV. INSURANCE BROKER | Insurance agents and brokers Service code 22 | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 106043546 | $98K |
| PROFESSIONAL GROUP PLANS INC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | $65K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Participant communication; Named fiduciary; Non-monetary compensation; Claims processing; Other services; Float revenue; Contract Administrator; Direct payment from the plan Service code 12 | — | $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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $5K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $223K |
| Vision | VISION SERVICE PLAN | 144 | $55K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $295K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $295K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $295K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.