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 2 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 |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $347K |
| CLJM LLC DBA HM BENEFITS EIN 35-2232153 BROKER | Other commissions Service code 55 | 8235 FORSYTH BLVD #1200 CLAYTON, MO 63105 | $101K |
| RXBENEFITS, INC EIN 63-1157085 PHARMACY BENEFIT MNGMT | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | 3700 COLONNADE PKWY, STE 600 BIRMINGHAM, AL 35243 | $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 | 514 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 274 | $223K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 274 | $223K |
| Life insurance(2 contracts) | FARM BUREAU LIFE INSURANCE COMPANY OF MISSOURI | 423 | $431K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 514 | $230K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE-STEALTH PARTNER GROUP | 449 | $310K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 274 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.