See 4 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 25 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 |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 PROVIDES CLAIMS ADMIN | Participant communication; Float revenue; Named fiduciary; Direct payment from the plan; Other services; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $444K |
| MOODY INSURANCE AGENCY BROKER | Consulting (general) Service code 16 | 8055 E TUFTS AVE, STE 1000 DENVER, CO 80237 | $90K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 FMLA ADMIN FEE | Contract Administrator Service code 13 | — | $4K |
| CIGNA HEALTH & LIFE INSURANCE COMP | Participant communication; Named fiduciary; Non-monetary compensation; Claims processing; Direct payment from the plan; Other services; Contract Administrator; Float revenue Service code 12 | — | $0 |
| MOODY INSURANCE AGENCY INC CONSULTING | Consulting (general) Service code 16 | 8055 E TUFTS AVE, STE 1000 DENVER, CO 80237 | $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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 289 | $161K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 289 | $161K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 448 | $20K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 448 | $47K |
| Long-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 448 | $47K |
| Other(3 contracts, 3 carriers) | AFLAC | 448 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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."
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.