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 4 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 |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATION EIN 33-0330036 PLAN SERVICE PROVIDER | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 1528 E EL CAMINO REAL, SUITE 407 SAN MATEO, CA 94402 | $179K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 PLAN SERVICE PROVIDER | Trustee (directed); Accounting (including auditing) Service code 10 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $43K |
| WORLD INSURANCE ASSOC, LLC EIN 45-3601219 PLAN SERVICE PROVIDER | Claims processing Service code 12 | 100 WOOD AVENUE S, 4TH FLOOR ISELIN, NJ 08830 | $41K |
| CLA EIN 41-0746749 PLAN SERVICE PROVIDER | Contract Administrator Service code 13 | — | $25K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 1 ALMADEN BLVD, SUITE 750 SAN JOSE, CA 95113 | $24K |
| GLOBAL CARE EIN 31-1407689 NONE | Claims processing Service code 12 | PO BOX 743856 ATLANTA, GA 30374 | $8K |
| UNITED WORKER WELLNESS EIN 87-2575833 NONE | Consulting (general) Service code 16 | — | $6K |
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 | 562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 223 | $9K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 77 | $6K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 190 | $648K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 77 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
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.