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History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingThe primary broker changed. The plan may listen to a new pitch.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 14 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 6,044 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,044 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 3,345 | $5.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,085 | $4.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY OF NEW YORK | 6,792 | $261K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,322 | $6.1M |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,322 | $6.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,322 | $6.1M |
| Prescription drug | MVP HEALTH SERVICES CORP | 41 | $454K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 3,345 | $3.0M |
| Other(10 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,322 | $9.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,792 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE SERVICES LLC EIN 47-0854646 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $2.5M |
| EDGEWOOD PARTNERS INSURANCE CENTER EIN 94-3195221 BROKER | Other commissions Service code 55 | PO BOX 5668 CONCORD, CA 945240668 | $155K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 INSURER | Insurance services Service code 23 | PO BOX 419596 KANSAS CITY, MO 641416596 | $90K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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11 filings · 2015 to 2025