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 pricingTotal premium grew more than 20% over the prior year. The plan is a good candidate to re-shop its carriers.
The primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: The Hilb Group of New England, LLC Stop-loss | Stop-loss | |
HealthRx | HealthRx | |
Life | Life |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LABOR FIRST, LLC | 46 | $196K |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 320 | $60K |
| Prescription drug | LABOR FIRST, LLC | 46 | $196K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 320 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | - |
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 |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTHCARE EIN 06-0303370 NONE | Other services; Named fiduciary; Contract Administrator; Float revenue; Claims processing; Non-monetary compensation; Participant communication; Direct payment from the plan Service code 12 | 1111 MARKET STREET CHATTANOOGA, TN 37402 | $301K |
| SOUTHERN BENEFIT ADMINISTRATORS EIN 62-1116095 NONE | Actuarial; Consulting (general); Plan Administrator Service code 11 | P.O. BOX 1449 GOODLETTSVILLE, TN 370701449 | $129K |
| GODWIN MORRIS LAURENZI & BLOOMFIELD EIN 62-1371542 NONE | Legal Service code 29 | P.O. BOX 3290 MEMPHIS, TN 38173 | $16K |
| DANIELS, IRWIN & AYLOR EIN 62-1802605 NONE | Accounting (including auditing) Service code 10 | 223 MADISON ST., 112 MADISON, TN 37115 | $14K |
| REGIONS BANK EIN 63-0371391 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Custodial (other than securities) Service code 15 | 201 MILAN PARKWAY, 2ND FL BIRMINGHAM, AL 35211 | $10K |
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.
1 contact
10 filings · 2016 to 2025