See 3 carrier contracts with Solo.
Solo shows premium, covered lives, retention and the policy renewal window for each contract. $4.99 for your first month, then $34.99 a month. Cancel any time.
See commissions and fees for 12 broker rows with Solo.
Solo shows the commissions and fees paid to each broker on this plan. $4.99 for your first month, then $34.99 a month. Cancel any time.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERKLEY EIN 91-6034263 STOP LOSS | Other insurance fees and expenses Service code 73 | PO BOX 535298 ATLANTA, GA 303535298 | $285K |
| VXTRA EIN 02-0677824 IM ACCESS PROVIDER | Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2701 CUMBERLAND PARKWAY, SUITE 140 ATLANTA, GA 30339 | $73K |
| CIGNA EIN 59-1031071 NETWORK ACCESS | Insurance services; Consulting fees Service code 23 | PO BOX 13701 PHILADELPHIA, PA 19101 | $27K |
| CONTINENTAL BENEFITS EIN 38-3913227 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 422 S. KINGS AVENUE BRANDON, FL 33511 | $17K |
| BLUE CROSS BLUE SHIELD OF TN EIN 62-0427913 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $12K |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF TN | 217 | $78K |
| Vision | BLUE CROSS AND BLUE SHIELD OF TN | 217 | $78K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $11K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 61 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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 broker changed. The plan may take a second-look pitch.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.