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 2 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 2 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 |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 PLAN ADMINISTRATOR | Non-monetary compensation; Contract Administrator; Claims processing; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Float revenue Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $476K |
| FNA INSURANCE SERVICES INC. EIN 46-4101382 GENERAL AGENT | Insurance agents and brokers Service code 22 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | $0 |
| MBL BENEFITS CONSULTING CORP. EIN 20-2930410 BROKER | Insurance agents and brokers Service code 22 | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | $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 | 1,656 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,656 | $1.6M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,656 | $1.6M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,656 | $1.6M |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,656 | $1.6M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,656 | $1.6M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,176 | $1.2M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,656 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,176 | — |
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.