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 2 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 1 broker row. $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 |
|---|---|---|---|
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Direct payment from the plan; Named fiduciary; Investment advisory (plan) Service code 27 | — | $116K |
| WILLIS TOWERS WATSON US, LLC EIN 53-0181291 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $29K |
| MERGANSER CAPITAL MANAGEMENT LLC EIN 46-3651540 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $27K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $22K |
| PNC BANK, N.A. EIN 22-1146430 NONE | Custodial (securities); Direct payment from the plan; Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $16K |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 586 | $7.1M |
| Dental | AETNA LIFE INSURANCE CO | 586 | $7.1M |
| Vision | AETNA LIFE INSURANCE CO | 586 | $7.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $132K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $132K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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."
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.