See 3 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 5 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 |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Other fees; Direct payment from the plan; Claims processing; Float revenue Service code 12 | 11000 OPTUM CIR EDEN PRAIRIE, MN 55344 | $6.5M |
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 9800 HEALTH CARE LN MINNETONKA, MN 55343 | $1.5M |
| MERCER HEALTH AND BENEFITS LLC EIN 34-2015463 BROKER | Other commissions Service code 55 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $134K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 VENDOR | Claims processing; Contract Administrator Service code 12 | PO BOX 8690 ST. LOUIS, MO 63126 | $104K |
| CURALINC, LLC EIN 33-1206383 VENDOR | Employee (plan) Service code 30 | 314 WEST SUPERIOR STREET, SUITE 601 CHICAGO, IL 60654 | $15K |
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 | 2,193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,913 | $266K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,734 | $780K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,734 | $780K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,201 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,734 | $780K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,734 | — |
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.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.