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 pricingThe primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
Broker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
Multiple-employer welfare arrangement. It has its own regulatory and compliance rules.
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 5 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 | 958 | 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) | 958 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 202 | $77K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 742 | $105K |
| Life insurance | GUARDIAN | 427 | $423K |
| Short-term disability | GUARDIAN | 427 | $423K |
| Long-term disability | GUARDIAN | 427 | $423K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE - SUMMIT REINSURANCE | 958 | $467K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 775 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 958 | - |
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: Guardian | |
Carrier: Metropolitan Life Insurance Company | |
Carrier: Unum Life |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUXIANT INC NONE | Direct payment from the plan; Contract Administrator Service code 13 | 424 1ST AVENUE NE CEDAR RAPIDS, IA 52401 | $257K |
| AETNA NONE | Direct payment from the plan; Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 061560001 | $253K |
| EMPIRX EIN 22-1458594 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $220K |
| GALLAGHER BENEFIT SERVICES, INC. NONE | Direct payment from the plan; Insurance services; Insurance agents and brokers Service code 22 | 12444 POWERSCOURT DR., SUITE 500 ST. LOUIS, MO 63131 | $141K |
| FORVIS MAZARS, LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| DOUBLE EAGLE INSURANCE NONE | Insurance agents and brokers; Direct payment from the plan; Insurance services Service code 22 | 2305 W. MICHIGAN ST. EVANSVILLE, IN 47712 | $5K |
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.
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10 filings · 2016 to 2025