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 5 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 5 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 |
|---|---|---|---|
| CARY KANE LLP EIN 20-1942442 NONE | Legal; Direct payment from the plan Service code 29 | — | $119K |
| CHRISTINE BENCI EIN 11-1945541 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| SAXBST LLP EIN 46-4001827 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $45K |
| CHRISSY MADERICH EIN 11-1945541 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $30K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $28K |
| VIRGINIA PUTNEY EIN 11-1945541 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $27K |
| UBS FINANCIAL SERVICES EIN 13-2638166 NONE | Direct payment from the plan; Other fees; Investment advisory (plan) Service code 27 | — | $16K |
| KLEIN, ZELMAN, ROTHERMEL EIN 13-2998136 NONE | Legal; Direct payment from the plan Service code 29 | — | $16K |
| OVATION RISK PLANNERS EIN 13-3461586 NONE | Insurance brokerage commissions and fees Service code 53 | — | $2K |
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 | 719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 727 | $11.7M |
| Dental(2 contracts) | HEALTHPLEX INSURANCE COMPANY | 725 | $444K |
| Vision | HM LIFE INSURANCE COMPANY | 1,992 | $69K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 725 | $48K |
| Prescription drug | EMBLEM HEALTH | 727 | $11.7M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 725 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,992 | — |
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.
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.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.