Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Bailey & Associates Financial LifeLTDVisionOther | LifeLTDVisionOther | Pro |
See premium, retention and renewal dates for 6 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COEUR PLAN SERVICES, LLC EIN 47-5018259 NONE | Direct payment from the plan Service code 50 | 18756 STONE OAK PKWY, STE. 200 SAN ANTONIO, TX 78258 | $113K |
| BAILEY INSURANCE EIN 74-2423875 NONE | Insurance services Service code 23 | 1201 WASHINGTON AVE. WACO, TX 76701 | $71K |
| S&S HEALTHCARE STRATEGIES LTD EIN 31-1418743 NONE | Recordkeeping fees Service code 64 | 4900 PARKWAY DRIVE, STE. 160 MASON, OH 45040 | $53K |
| INTEGRATED SOLUTIONS EIN 84-4638324 NONE | Recordkeeping fees Service code 64 | P.O. BOX 104 SOUDERTON, PA 18964 | $29K |
| MEDWATCH, LLC EIN 16-1662117 NONE | Investment management fees paid indirectly by plan Service code 52 | 400 COLONIAL CENTER PKWY., STE. 320 LAKE MARY, FL 32746 | $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 | 211 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY (UNUM GROUP SUBSIDIARY) | 155 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $136K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $114K |
| Other(3 contracts) | UNUM INSURANCE COMPANY | 49 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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 carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.