Filings through .
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 pricingBroker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Stealth Partner Group LLC Stop-loss | Stop-loss | |
Broker: Labor First LLC PPO | PPO | |
Vision | Vision |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 3 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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 362 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 351 | $58K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 342 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | - |
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.
| Broker | Commissions |
|---|---|
Carrier: HCC Life Insurance Company | |
Carrier: Emphesys Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACRISURE EIN 92-3683970 NONE | Insurance brokerage commissions and fees; Consulting (general) Service code 16 | — | $117K |
| UMR, INC. EIN 39-1995276 NONE | Other fees; Claims processing Service code 12 | — | $93K |
| UNITED HEALTHCARE EIN 36-2739571 NONE | Other fees; Claims processing Service code 12 | — | $71K |
| DREXI RX EIN 46-4488538 NONE | Claims processing Service code 12 | — | $62K |
| ROBEIN, URANN, SPENCER, PICARD & CA EIN 72-0999672 NONE | Legal Service code 29 | — | $58K |
| MY BENEFITS ADMINISTRATOR, LLC EIN 99-0940151 NONE | Copying and duplicating; Contract Administrator Service code 13 | — | $56K |
| NATIONAL EMPLOYEE BENEFITS ADMINIST EIN 65-0498809 NONE | Copying and duplicating; Contract Administrator Service code 13 | — | $46K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $25K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 11-3658445 NONE | Investment advisory (plan); Other investment fees and expenses; Direct payment from the plan; Securities brokerage; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Other fees; Other services; Other commissions Service code 15 | — | $12K |
| MEDEXPERT NONE | Claims processing Service code 12 | 1300 HANCOCK STREET REDWOOD CITY, CA 94063 | $10K |
| SOUTHERN ACTUARIAL SERVICES CO. INC EIN 58-2409046 NONE | Actuarial Service code 11 | — | $5K |
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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10 filings · 2016 to 2025