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 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 |
|---|---|---|---|
| SIGNIFICA BENEFIT SERVICES, INC. EIN 23-2504308 NONE KNOWN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $563K |
| BH BENEFITS, INC. EIN 27-0488672 NONE KNOWN | Direct payment from the plan; Participant communication Service code 38 | — | $155K |
| INDEPENDENT FIDUCIARY SERVICES NONE KNOWN | Trustee (bank, trust company, or similar financial institution) Service code 21 | 8460 TYCO ROAD, STE E VIENNA, VA 22182 | $139K |
| GORFINE, SCHILLER, & GARDYN, PA NONE KNOWN | Accounting (including auditing) Service code 10 | 10045 RED RUN BLVD #250 OWINGS MILLS, MD 21117 | $19K |
| TRANSNATION TRANSLATIONS, INC. NONE KNOWN | Other services Service code 49 | 17101 PRESTON ROAD #180 DALLAS, TX 75248 | $13K |
| SEYFARTH SHAW LLP NONE KNOWN | Legal Service code 29 | 975 F STREET NW WASHINGTON, DC 20004 | $11K |
| SMITH & DOWNEY, P.A. NONE KNOWN | Legal Service code 29 | 1 W PENNSYLVANIA AVE #950 TOWSON, MD 21204 | $6K |
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 | 1,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 622 | $2.4M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 622 | $86K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 821 | $2.6M |
| Other(3 contracts, 3 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 1,198 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,198 | — |
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.
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.