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 9 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 6 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 |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 N/A | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $6.4M |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 N/A | Other commissions; Consulting (general); Direct payment from the plan Service code 16 | — | $721K |
| BENEFITFOCUS.COM, INC. EIN 57-1099948 N/A | Direct payment from the plan; Consulting (general) Service code 16 | — | $359K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 N/A | Plan Administrator; Direct payment from the plan Service code 14 | — | $227K |
| WILLIS TOWERS US LLC | Other commissions Service code 55 | — | $176K |
| OPTUM BANK EIN 47-0858534 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $53K |
| REED GROUP MANAGEMENT LLC EIN 13-5123390 NA | Consulting (general); Direct payment from the plan Service code 16 | — | $8K |
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 | 10,453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 282 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 246 | $2.9M |
| Vision | VISION SERVICE PLAN | 9,010 | $1.7M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 18,746 | $8.0M |
| Other(6 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 18,746 | $11.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,746 | — |
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 compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.