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 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 |
|---|---|---|---|
| MORGAN STANLEY EIN 20-8764829 NONE | Direct payment from the plan; Investment management Service code 28 | — | $193K |
| TEENA MILLER EIN 63-6065827 EMPLOYEE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Employee (plan) Service code 15 | — | $57K |
| BHA CONSULTING, LLC EIN 26-1384808 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $29K |
| BELLOWS ASSOCIATES, P.A. EIN 65-0804414 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| INTEGRATED SOFTWARE APPLICATION EIN 65-0790515 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $7K |
| QCWDR LLP EIN 45-1444874 NONE | Legal; Direct payment from the plan Service code 29 | — | $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 | 1,198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 212 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,864 | $11.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,864 | $11.1M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,864 | $11.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 865 | $263K |
| Short-term disability | GUARDIAN | 673 | $0 |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,864 | $11.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,864 | $11.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,864 | — |
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."
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
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.