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 13 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 27 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 |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $7.3M |
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Other services; Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $6.5M |
| UNIVERS WORKPLACE SOLUTIONS EIN 22-3325321 NONE | Claims processing; Other fees; Contract Administrator Service code 12 | — | $2.0M |
| QUEST DIAGNOSTICS NONE | Other services Service code 49 | PO BOX 74079 ATLANTA, GA 303740709 | $1.1M |
| LIMEADE INC EIN 06-1771116 NONE | Participant communication; Contract Administrator Service code 13 | — | $1.0M |
| MERCER HEALTH & BENEFITS LLC | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $934K |
| CIGNA HEALTH AND LIFE INS COMPANY EIN 59-1031071 NONE | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Participant communication; Float revenue Service code 12 | — | $812K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 NONE | Claims processing; Contract Administrator Service code 12 | — | $673K |
| HEALTH ADVOCATE INC EIN 23-3080019 NONE | Contract Administrator; Participant communication; Other services Service code 13 | — | $314K |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Contract Administrator; Other fees; Claims processing Service code 12 | — | $312K |
| CIGNA BEHAVIORAL HEALTH INC EIN 41-1648670 NONE | Claims processing; Participant communication; Direct payment from the plan; Contract Administrator Service code 12 | — | $233K |
| MDLIVE INC EIN 45-4937055 NONE | Other services Service code 49 | — | $176K |
| PAYFLEX SYSTEMS USA INC EIN 91-1774434 NONE | Participant communication; Contract Administrator Service code 13 | — | $143K |
| MERCER HUMAN RESOURCE CONSULTING EIN 34-2015463 NONE | Actuarial; Consulting (general); Other commissions Service code 11 | — | $138K |
| ADP BENEFIT SERVICES KY INC EIN 61-1169763 NONE | Participant communication; Contract Administrator Service code 13 | — | $77K |
| MILLIMAN INC EIN 91-0675641 NONE | Actuarial Service code 11 | — | $20K |
| VIVID IMPACT COMPANY LLC NONE | Copying and duplicating; Other services Service code 36 | 10116 BUNSEN WAY LOUISVILLE, KY 402992504 | $18K |
| PNC BANK EIN 25-1211909 NONE | Float revenue; Trustee (bank, trust company, or similar financial institution); Investment advisory (participants) Service code 21 | — | $10K |
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 | 36,195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 489 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 36,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC | 4,150 | $32.6M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 33,880 | $2.5M |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35,691 | $8.7M |
| Short-term disability(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27,019 | $7.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22,405 | $4.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35,691 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,691 | — |
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.
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.