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 4 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 2 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 |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $344K |
| CONIFER VALUE-BASED CARE, LLC EIN 52-1964905 NONE | Consulting (general); Direct payment from the plan; Other services Service code 16 | — | $164K |
| SLEVIN & HART, PC EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $133K |
| CHEIRON, INC. EIN 13-4215617 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $114K |
| PNC BANK, N.A. EIN 22-1146430 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $43K |
| WITHUMSMITH+BROWN, P.C. EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $35K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $27K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $25K |
| SEGALL BRYANT & HAMILL, LLC EIN 35-2679129 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $18K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432390 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $16K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $14K |
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 | 1,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC | 1,647 | $8.5M |
| Dental | DENTEGRA INSURANCE COMPANY | 1,464 | $342K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 1,462 | $52K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,260 | $30K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,260 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,647 | — |
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."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
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.