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 3 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 1 broker row. $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 |
|---|---|---|---|
| BENEFITS MANAGEMENT GROUP INC. EIN 84-1677167 | Contract Administrator Service code 13 | — | $167K |
| BRENDAN BERIGAN | Consulting (general) Service code 16 | 8608 HORTON CIRCLE URBANDALE, IA 50322 | $46K |
| KUTAK ROCK LLP EIN 47-0597598 | Legal Service code 29 | 2405 GRAND BLVD SUITE 600 KANSAS CITY, KS 64108 | $40K |
| COMMUNITY STATE BANK EIN 42-0839178 | Investment advisory (plan); Custodial (securities) Service code 19 | — | $28K |
| DEBOER & ASSOCIATES EIN 47-0836395 | Accounting (including auditing) Service code 10 | 17330 WRIGHT STREET, OMAHA, NE 68130 | $25K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 | Accounting (including auditing) Service code 10 | 350 INTERLOCKEN BLVD 360 BROOMFIELD, CO 80021 | $9K |
| CEDAR RAPIDS BANK & TRUST EIN 42-1524302 | Custodial (securities); Investment advisory (plan) Service code 19 | — | $5K |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF ILLINOIS | 1,062 | $3.1M |
| Dental | BCBS OF ILLINOIS | 870 | $189K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 341 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,062 | — |
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 comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
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.