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 3 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 1 broker row. $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 |
|---|---|---|---|
| CIGNA HEALTHCARE EIN 06-0303370 NONE | Named fiduciary; Float revenue; Participant communication; Contract Administrator; Non-monetary compensation; Other services; Direct payment from the plan; Claims processing Service code 12 | 1111 MARKET STREET CHATTANOOGA, TN 37402 | $301K |
| SOUTHERN BENEFIT ADMINISTRATORS EIN 62-1116095 NONE | Consulting (general); Actuarial; 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 | Custodial (other than securities); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 201 MILAN PARKWAY, 2ND FL BIRMINGHAM, AL 35211 | $10K |
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 | 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/separated + beneficiaries. No dependents. |
| 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 rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.