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 5 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 6 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 |
|---|---|---|---|
| HEALTHGRAM, INC. EIN 56-1449504 MEDICAL TPA | Claims processing Service code 12 | — | $442K |
| TURNER, WOOD & SMITH EIN 20-1489174 BROKER | Insurance agents and brokers Service code 22 | — | $191K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 MEDICAL/DENTAL ADMIN | Claims processing; Contract Administrator; Float revenue; Non-monetary compensation; Participant communication; Direct payment from the plan; Other services; Named fiduciary Service code 12 | — | $79K |
| HEALTH PARTNERS NETWORK LLC EIN 58-2131807 N/A | Claims processing Service code 12 | — | $26K |
| CAREOPERATIVE RECEIVABLES- HC EIN 20-8981027 N/A | Claims processing Service code 12 | — | $21K |
| HEALTHGRAM- TELADOCINC EIN 47-4591265 TELEMEDICINE | Claims processing Service code 12 | — | $11K |
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 | 946 | 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) | 946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 946 | $534K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 753 | $177K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 946 | $534K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 887 | $733K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 946 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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.