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 8 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 4 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 |
|---|---|---|---|
| BARNEY & BARNEY NONE | Insurance agents and brokers; Plan Administrator; Direct payment from the plan; Consulting fees; Consulting (general); Contract Administrator Service code 13 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | $5.8M |
| MOSS ADAMS LLP NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 4747 EXECUTIVE DR STE 1300 SAN DIEGO, CA 92121 | $22K |
| SAICHEK LAW FIRM APC NONE | Legal; Direct payment from the plan Service code 29 | 2445 FIFTH AVE STE 332 SAN DIEGO, CA 92101 | $22K |
| IGOE & COMPANY INCORPORATED NONE | Direct payment from the plan; Contract Administrator Service code 13 | 15090 AVENUE OF SCIENCE STE 201 SAN DIEGO, CA 92128 | $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 | 7,084 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 169 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 169 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 7,422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 16,016 | $91.6M |
| Dental(5 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 3,648 | $6.3M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 16,016 | $94.5M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 16,016 | $92.2M |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 16,016 | $91.6M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 16,016 | $91.6M |
| Other | UNUM LIFE INSURANCE COMPANY | 1,412 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,016 | — |
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.
Multiple-employer welfare arrangement. It has its own regulatory and compliance rules.