Filings through .
History & trajectory Charts need 2 or more years. This plan has 3 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingTotal premium grew more than 20% over the prior year. The plan is a good candidate to re-shop its carriers.
The primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
The primary broker changed. The plan may listen to a new pitch.
Broker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The final-filing indicator is set. The plan is winding down. Skip it for sales.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Planned Administators Stop-loss | Stop-loss | |
Broker: Marsh & McLennan Agency LLC DentalSTDLTDOtherVisionLife | DentalSTDLTDOtherVisionLife |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 9 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $47K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $25K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE INSURANCE COMPANY | 0 | $348K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Nationwide Insurance Company | |
Carrier: United of Omaha Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTATORS EIN 57-0718839 TPA ADMINISTRATIVE FEES | Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Account maintenance fees Service code 12 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | $49K |
| MARSH & MCLENNAN AGENCY EIN 36-1436000 BROKER/CONSULTANT FEES | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | $49K |
| FIRST STOP HEALTH EIN 45-1542956 MANAGED CARE PROGRAMS | Other services; Direct payment from the plan Service code 49 | — | $3K |
| BLUE CROSS BLUE SHIELD EIN 57-0287419 PPO & UTILIZATION REVIEW | Direct payment from the plan; Other services Service code 49 | — | $2K |
| FIRSTHEALTH EIN 20-1736437 PPO NETWORK FEES | Direct payment from the plan; Other services Service code 49 | — | $949 |
| WAGE WORKS, INC EIN 94-3351864 COBRA ADMINISTRATION | Other services; Direct payment from the plan Service code 49 | — | $290 |
| MEDCOST EIN 56-1999192 PPO NETWORK FEES | Direct payment from the plan; Other services Service code 49 | — | $96 |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
2 contacts
3 filings · 2023 to 2025