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 7 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 8 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 |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. CO EIN 59-1031071 NONE | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Claims processing; Participant communication; Float revenue; Other services Service code 12 | — | $143K |
| LOCKTON COMPANIES NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | $58K |
| BKD, LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| DELTA DENTAL OF KANSAS EIN 48-0793267 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $19K |
| PREFERRED RESOURCE NETWORK EIN 43-1613278 NONE | Direct payment from the plan; Contract Administrator Service code 13 | DBA PERSONAL ASSISTANCE SERVICES 9735 LANDMARK PARKWAY DRIVE, STE 17 ST. LOUIS, MO 63127 | $12K |
| LEWIS AND ELLIS EIN 75-1281520 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
| SELECT ACCOUNT EIN 41-6019132 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $6K |
| CIGNA | Contract Administrator; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Float revenue; Other services Service code 12 | — | $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 | 438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS | 646 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $215K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $143K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $116K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,028 | $1.2M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 500 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,028 | — |
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 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.