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 4 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 3 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 |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 TPA-RECORDKEEPER | Other services; Direct payment from the plan; Plan Administrator Service code 14 | 2806 S GARFIELD ST MISSOULA, MT 59801 | $80K |
| ALLEGIANCE CASE MANAGEMENT, INC EIN 03-0507057 TPA | Direct payment from the plan; Plan Administrator Service code 14 | 2806 S GARFIELD ST, P.O. BOX 3018 MISSOULA, MT 598063018 | $0 |
| CARAVUS, LLC INSURANCE BROKER | Insurance agents and brokers; Other services Service code 22 | 168 N MERAMEC AVE, STE 300 ST. LOUIS, MO 63105 | $0 |
| CIGNA NETWORK TPA-VENDOR-NETWORK ADMIN | Plan Administrator; Other services Service code 14 | 900 COTTAGE ROAD HARTFORD, CT 06152 | $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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 541 | $212K |
| Vision | ADVANTICA INSURANCE COMPANY | 419 | $24K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 342 | $283K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 342 | $283K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 342 | $283K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 234 | $734K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 342 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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."
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.