Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Emerson Reed LLC HealthRx | HealthRx | Pro |
Broker: The Laura Cook Agency LifeSTDLTD | LifeSTDLTD | Pro |
Broker: Laura E Cook Dental | Dental | Pro |
Broker: RWR Group Inc Vision | Vision | Pro |
See premium, retention and renewal dates for 4 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Highmark, Inc. | Pro |
Carrier: Equitable Financial Life Insurance Company of America | Pro |
Carrier: Equitable Financial Life Insurance Company of America | Pro |
Carrier: Equitable Financial Life Insurance Company of America | Pro |
Carrier: United Concordia Companies, Inc. | Pro |
Carrier: Ameritas Life Insurance Corporation | Pro |
Carrier: Ameritas Life Insurance Corporation | Pro |
No Schedule C service providers reported on this filing.
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 360 | $3.5M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 673 | $181K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 627 | $40K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 380 | $333K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 380 | $333K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 380 | $333K |
| Prescription drug | HIGHMARK, INC. | 360 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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 top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.