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 2 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 1 broker row. $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 TPA | Claims processing Service code 12 | — | $222K |
| SANFORD INSURANCE LLC EIN 27-1527603 AGENT FEE | Insurance agents and brokers Service code 22 | — | $74K |
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 PPO NETWORK | Claims processing Service code 12 | — | $36K |
| PHCS EIN 04-3138814 ELAP | Claims processing Service code 12 | — | $12K |
| TELADOC EIN 35-2351217 TELADOC ADMIN | Claims processing Service code 12 | — | $7K |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 295 | $807K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 295 | $807K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 295 | $807K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 295 | $807K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 295 | $807K |
| Stop-loss / reinsurancereinsurance | STEALTH PARTNER GROUP | 411 | $936K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 295 | $807K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.