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 23 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 |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 NONE | Insurance brokerage commissions and fees Service code 53 | — | $143K |
| EPIC INSURANCE BROKERS & CONSULTANT EIN 94-3195221 NONE | Insurance agents and brokers Service code 22 | — | $67K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Float revenue; Participant communication; Named fiduciary; Claims processing Service code 12 | — | $41K |
| FIRST HEALTH EIN 20-1736437 NONE | Insurance brokerage commissions and fees Service code 53 | — | $17K |
| HEALTH ADVOCATE SOLUTIONS, INC. EIN 23-3080019 NONE | Insurance brokerage commissions and fees Service code 53 | 721 ARBOR WAY SUITE 150 BLUE BELL, PA 19422 | $6K |
| EDGEWOOD PARTNERS INS CTR (EPIC) NONE | Insurance brokerage commissions and fees Service code 53 | P.O. BOX 734004 CHICAGO, IL 60673 | $546 |
| CIGNA | Participant communication; Claims processing; Named fiduciary; Float revenue; Contract Administrator; Other services; Direct payment from the plan; Non-monetary compensation Service code 12 | — | $0 |
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 | 3,876 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 1,084 | $2.7M |
| Dental(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 2,228 | $1.8M |
| Vision(2 contracts, 2 carriers) | METLIFE GOVERNMENT CONTRATORS FRINGE BENEFIT TRUST | 908 | $72K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 1,084 | $1.1M |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 1,950 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 357 | $90K |
| Prescription drug(5 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 23 | $668K |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | SWISS RE CORPORATE SOLUTIONS AMERICA INS. CORP. | 1,302 | $1.6M |
| Other(7 contracts, 5 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 4,626 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,626 | — |
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.