Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 26 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 107,338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 273,638 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 380,976 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(22 contracts, 16 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 285,274 | $359.0M |
| Dental(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 33,020 | $12.9M |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 37,427 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 285,274 | $56.9M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 391 | $152K |
| Prescription drug(5 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 1,932 | $25.0M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 285,274 | $84.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285,274 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Metropolitan Life Insurance Company | |
Carrier: Metropolitan Life Insurance Company | |
Carrier: Cigna Health and Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD NONE | Contract Administrator; Direct payment from the plan Service code 13 | 300 E. RANDOLPH CHICAGO, IL 60601 | $35.7M |
| ALIGHT SOLUTIONS EIN 36-2235791 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 15 | — | $24.0M |
| CVS PHARMACY INC. EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $13.1M |
| SEDGWICK CLAIMS MANAGMENT SERVICE EIN 36-2685608 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $10.9M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Investment management; Contract Administrator Service code 13 | — | $8.6M |
| INCLUDED HEALTH EIN 45-3580052 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $8.2M |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 06-0303370 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.9M |
| UNITED HEALTHCARE SERVICES INC. EIN 43-1361841 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.6M |
| SMARTLIGHT ANALYTICS LLC EIN 81-0791458 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.4M |
| AON CONSULTING INC. EIN 22-2232264 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $783K |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $776K |
| CENTIVO T HOLDINGS LLC EIN 06-0838648 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $689K |
| CCI - H&W LLC EIN 84-3818591 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $573K |
| FORVIS LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $395K |
| ALLSUP INC. EIN 37-1170934 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $255K |
| EYEMED VISION EIN 43-0949844 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $237K |
| PROGYNY INC. EIN 24-5510016 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 245 5TH AVE. NEW YORK, NY 10016 | $219K |
| FROST BANK EIN 74-6036463 NONE | Direct payment from the plan; Securities brokerage commissions and fees; Trustee (directed) Service code 25 | — | $92K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $69K |
| OPTAVISE LLC EIN 02-0677999 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $39K |
| AT&T INC. EIN 43-1301883 PLAN SPONSOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $26K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Trustee (directed); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 21 | — | $22K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
4 contacts
Phone and email for the actuary are on Pro.
11 filings · 2015 to 2025