See 4 carrier contracts with Solo.
Solo shows premium, covered lives, retention and the policy renewal window for each contract. $4.99 for your first month, then $34.99 a month. Cancel any time.
See commissions and fees for 10 broker rows with Solo.
Solo shows the commissions and fees paid to each broker on this plan. $4.99 for your first month, then $34.99 a month. Cancel any time.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS LLC EIN 36-3086057 CLAIMS ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Plan Administrator; Claims processing Service code 12 | — | $49K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 INSURER | Insurance services Service code 23 | — | $19K |
| DIGITAL INSURANCE INC EIN 58-2522668 BROKER | Insurance agents and brokers; Insurance services Service code 22 | — | $16K |
| MCGRIFF INSURANCE SERVICES INC EIN 56-1623293 BROKER | Insurance services; Insurance agents and brokers Service code 22 | — | $11K |
| MAGELLAN RX MANAGEMENT EIN 46-3708039 PHARM BENE MGMT | Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $1K |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $72K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $72K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $72K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $102K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25 | $12K |
| Stop-loss / reinsurancereinsurance | NORTH AMERICAN SPECIALTY INSURANCE COMPANY | 82 | $257K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
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.