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 7 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 8 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 CLAIMS ADMINISTRATION | Direct payment from the plan; Other services; Float revenue; Contract Administrator; Claims processing; Named fiduciary; Non-monetary compensation; Participant communication Service code 12 | — | $1.2M |
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGT | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $138K |
| BROWN & BROWN OF MASSACHUSETTS LLC EIN 27-4732361 BROKER | Other commissions Service code 55 | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | $86K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $10K |
| CIGNA | Participant communication; Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Non-monetary compensation; Other services; Float revenue 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 | 1,843 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,578 | $1.6M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,287 | $179K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,755 | $761K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,691 | $340K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,628 | $2.0M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,755 | $773K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,578 | — |
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."
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.