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 10 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 |
|---|---|---|---|
| LUMINARE HEALTH EIN 35-1846036 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | POBOX 2920 CLINTON, IA 52733 | $1.2M |
| LEGALSHIELD EIN 73-1016729 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1 PREPAID WAY ADA, OK 74820 | $88K |
| COMPSYCH EIN 36-3272141 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | $66K |
| BLUECROSS BLUESHIELD OF MONTANA EIN 13-1837418 CONTRACT ADMINISTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | POBOX 4309 HELENA, MT 59604 | $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 | 7,411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 249 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,536 | $736K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,333 | $519K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE | 4,995 | $1.9M |
| Other(5 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 5,536 | $695K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,536 | — |
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.