See 5 carrier contracts with Solo.
Solo shows premium, covered lives, retention and the policy renewal window for each contract. $4.99 for your first month, then $34.99 a month. Cancel any time.
See commissions and fees for 8 broker rows with Solo.
Solo shows the commissions and fees paid to each broker on this plan. $4.99 for your first month, then $34.99 a month. Cancel any time.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MEDICAL ADMIN | Claims processing; Contract Administrator Service code 12 | — | $483K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 BENEFIT ADMIN/COBRA ADMIN | Contract Administrator Service code 13 | — | $158K |
| METROPOLITAN LIFE INSURANCE CO EIN 13-5581829 DENTAL ADMIN | Claims processing; Contract Administrator Service code 12 | — | $57K |
| STANDARD INSURANCE COMPANY EIN 93-0242990 ABSENCE MGMT/FMLA | Contract Administrator; Claims processing Service code 12 | — | $54K |
| WAGEWORKS EIN 94-3351864 FSA/HSA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $14K |
| EVERNORTH BEHAVIORAL HEALTH, INC EIN 41-1648670 EAP ADMIN | Claims processing; Participant communication; Direct payment from the plan; Contract Administrator Service code 12 | — | $13K |
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 | 841 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 70 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 348 | $943K |
| Vision | VISION SERVICE PLAN | 584 | $91K |
| Life insurance | STANDARD INSURANCE COMPANY | 841 | $820K |
| Long-term disability | STANDARD INSURANCE COMPANY | 841 | $820K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 85 | $933K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 841 | $824K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 841 | — |
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.
The primary broker changed. The plan may take a second-look pitch.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
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.