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 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 |
|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC NONE | Plan Administrator; Consulting fees; Insurance agents and brokers; Direct payment from the plan; Contract Administrator; Consulting (general) Service code 13 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | $11.9M |
| IGOE & COMPANY INCORPORATED NONE | Direct payment from the plan; Contract Administrator Service code 13 | 15090 AVENUE OF SCIENCE STE 201 SAN DIEGO, CA 92128 | $120K |
| THE WAGNER LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 8677 VILLA LA JOLLA DR #888 SAN DIEGO, CA 92037 | $67K |
| VIMLY BENEFIT SOLUTIONS NONE | Plan Administrator Service code 14 | 12121 HARBOR REACH DR STE 105 MUKILTEO, WA 98275 | $30K |
| MILLER KAPLAN ARASE LLP EIN 95-2936255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $13K |
| AXENE HEALTH PARTNERS LLC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 41923 2ND ST #204 TEMECULA, CA 92590 | $12K |
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 | 15,392 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 8 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 15,400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS OF CALIFORNIA | 28,782 | $182.7M |
| Dental(5 contracts, 3 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 28,782 | $186.2M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 28,782 | $183.9M |
| Life insurance(3 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 28,782 | $185.6M |
| Short-term disability | ANTHEM BLUE CROSS OF CALIFORNIA | 28,782 | $182.7M |
| Long-term disability | ANTHEM BLUE CROSS OF CALIFORNIA | 28,782 | $182.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY | 4,257 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,782 | — |
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."
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
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.