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 5 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 10 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 |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $3.6M |
| CIGNA HEALTH & LIFE INS. CO. EIN 59-1031071 CLSIMS PROCESSING | Claims processing Service code 12 | — | $323K |
| HOLMES MURPHY | Insurance agents and brokers Service code 22 | — | $11K |
| CIGNA | Contract Administrator; Shareholder servicing fees; Participant loan processing; Float revenue; Direct payment from the plan; Non-monetary compensation; Other services; Named fiduciary; Participant communication; Claims processing Service code 12 | — | $0 |
| HOLMES MURPHY & ASSOCIATES, LLC BROKER | Insurance agents and brokers Service code 22 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | $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 | 10,644 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 6,522 | $821K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 10,644 | $12.3M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 10,644 | $12.0M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 10,644 | $12.0M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 87,222 | $3.7M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 10,644 | $12.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87,222 | — |
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."
No prospect flags tripped on this filing.