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 4 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 7 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 |
|---|---|---|---|
| NATIONAL EMPLOYEE BENEFITS ADMIN EIN 65-0498809 NONE | Contract Administrator; Other services Service code 13 | — | $151K |
| SUGARMAN AND SUSSKIND EIN 59-2539792 NONE | Legal Service code 29 | — | $80K |
| BROWN & BROWN EIN 59-3014567 NONE | Consulting (general) Service code 16 | — | $50K |
| IBEW LOCAL 728 UNION EIN 59-0304061 NONE | Other services Service code 49 | — | $45K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $29K |
| BOYD WATTERSON ASSET MANAGEMENT EIN 34-1922005 NONE | Investment management Service code 28 | — | $9K |
| PROFUND SOLUTIONS LLC NONE | Consulting (general) Service code 16 | 9404 WEST 145TH TERRACE OVERLAND PARK, KS 66221 | $8K |
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 | 908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 912 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,361 | $9.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,361 | $9.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,361 | $9.8M |
| Life insurance | COMPANION LIFE INSURANCE COMPANY - COLUMBIA | 3 | $2K |
| Prescription drug | ELIXIR INSURANCE COMPANY | 3 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,361 | — |
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 comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
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.