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 1 contract row 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 |
|---|---|---|---|
| MCA ADMINISTRATORS, INC. EIN 25-1319965 NONE | Claims processing; Other services; Other fees Service code 12 | 1910 COCHRAN RD. STE. 605 PITTSBURGH, PA 15220 | $40K |
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Custodial (securities); Securities brokerage; Other services; Securities brokerage commissions and fees; Investment advisory (plan); Direct payment from the plan; Other investment fees and expenses Service code 19 | 2650 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | $17K |
| FRANK GERWIG & ASSOCIATES P.A. EIN 52-1777375 NONE | Direct payment from the plan; Plan Administrator Service code 14 | 122 SOUTH CENTRE ST. CUMBERLAND, MD 21502 | $16K |
| NATIONAL BROKERAGE SERVICES, INC. EIN 51-0124803 NONE | Direct payment from the plan; Claims processing Service code 12 | 4254 CLAIRTON BLVD. 122 PITTSBURGH, PA 15227 | $16K |
| TURNBULL, HOOVER & KAHL, P.A. EIN 52-1518807 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 217 GLENN ST., STE 200 CUMBERLAND, MD 21502 | $10K |
| PLUMBERS & STEAMFITTERS LOCAL 489 EMPLOYEE ORGANIZATION | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2 PARK STREET CUMBERLAND, MD 21502 | $9K |
| FIRST HEALTH PLANS EIN 20-1736437 NONE | Claims processing Service code 12 | P.O. BOX 219612 KANSAS CITY, MO 64121 | $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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 130 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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 carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
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.