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 4 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 |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 PLAN ADMINISTRATION | Other services; Float revenue; Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation Service code 12 | — | $288K |
| EBENCONCEPTS EIN 75-2966596 CONSULTANT | Consulting fees; Consulting (general) Service code 16 | — | $53K |
| TELADOC EIN 04-3705970 TELEMEDICINE | Other fees Service code 99 | — | $6K |
| EMPLOYERS DIRECT HEALTH EIN 75-2322062 FSA PLAN ADMINISTRATION | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Other services; Contract Administrator; Claims processing Service code 12 | — | $5K |
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 | 462 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $386K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 457 | $112K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $406K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $294K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $294K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 366 | $367K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.