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 11 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 |
|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC NONE | Insurance services; Consulting (general); Plan Administrator; Contract Administrator; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Accounting (including auditing); Consulting fees; Direct payment from the plan; Actuarial; Insurance brokerage commissions and fees Service code 10 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | $17.2M |
| IGOE & COMPANY INCORPORATED NONE | Direct payment from the plan; Contract Administrator Service code 13 | 15090 AVENUE OF SCIENCE STE 201 SAN DIEGO, CA 92128 | $125K |
| PAYDEN & RYGEL EIN 95-3921788 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $81K |
| THE WAGNER LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 8677 VILLA LA JOLLA DR #888 SAN DIEGO, CA 92037 | $60K |
| MILLER KAPLAN ARASE LLP EIN 95-2936255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $33K |
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 | 13,847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 205 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,004 | $260.4M |
| Dental(4 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,004 | $262.3M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,004 | $261.9M |
| Life insurance(3 contracts, 3 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,004 | $270.2M |
| Short-term disability(3 contracts, 3 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,004 | $267.8M |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,004 | $267.1M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 6,356 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,004 | — |
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."
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.
Multiple-employer welfare arrangement. It has its own regulatory and compliance rules.