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 8 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 |
|---|---|---|---|
| BANKERS BENEFIT EIN 43-1383648 PARTY-IN-INTEREST | Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 1343 JEFFERSON CITY, MO 65102 | $925K |
| LUMINARE HEALTH BENEFITS, INC EIN 35-1846036 NONE | Plan Administrator; Other services; Claims processing; Direct payment from the plan Service code 12 | — | $168K |
| GALLAGHER RISK MANAGEMENT SERVICES EIN 36-2102482 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | $92K |
| DELTA DENTAL OF MO EIN 43-0908349 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | 12399 GRAVOIS ROAD ST LOUIS, MO 63127 | $79K |
| ALLIANT INSURANCE SERVICES, INC EIN 33-0785439 NONE | Direct payment from the plan; Actuarial Service code 11 | 1391 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | $44K |
| WILLIAMS-KEEPERS LLC EIN 43-1126847 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 3220 W EDGEWOOD, STE E JEFFERSON CITY, KS 65109 | $32K |
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 | 1,170 | 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) | 1,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,819 | $16.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,852 | $162K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,868 | $309K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 746 | $165K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,948 | $346K |
| Other(2 contracts) | ZURICH AMERICAN INSURANCE COMPANY | 3,294 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,294 | — |
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."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
The primary broker changed. The plan may take a second-look pitch.
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.