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 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 |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Other services; Claims processing; Named fiduciary; Participant communication; Contract Administrator Service code 12 | 300 EAST RANDOLPH ST. CHICAGO, IL 60601 | $241K |
| SOUTHERN BENEFIT ADMINISTRATORS EIN 62-1116095 NONE | Consulting (general); Plan Administrator; Actuarial Service code 11 | P.O. BOX 1449 GOODLETTSVILLE, TN 370701449 | $158K |
| DANIELS, IRWIN & AYLOR CPAS EIN 62-1802605 NONE | Accounting (including auditing) Service code 10 | 223 MADISON ST STE 112 MADISON, TN 371153660 | $14K |
| DENTAL NETWORK OF AMERICA NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 701 E. 22ND ST., 300 LOMBARD, IL 60148 | $11K |
| ROBEIN, URANN, SPENCER, PICARD EIN 72-0999672 NONE | Legal Service code 29 | 2540 SEVERN AVE., STE 400 METAIRE, LA 70002 | $11K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Actuarial Service code 11 | 11590 N. MERIDAN ST., 610 CARMEL, IN 46032 | $6K |
| REGIONS BANK NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 1200 ROSA L. PARKS BLVD NASHVILLE, TN 37208 | $6K |
| MONEY MARKET FUND NONE | Custodial (securities); Investment management Service code 19 | — | $0 |
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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 557 | $5.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 557 | $4.8M |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE | 557 | $42K |
| Prescription drug | LABOR FIRST LLC | 66 | $306K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 557 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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 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.