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 2 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 1 broker row. $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 |
|---|---|---|---|
| M S ADMINISTRATIVE SERVICES, INC. EIN 82-0380872 TPA | Contract Administrator Service code 13 | — | $51K |
| MST INSURANCE AGENCY EIN 82-0382503 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $20K |
| UNITED HERITAGE LIFE INSURANCE CO EIN 82-0123320 LIFE INSURANCE | Insurance services Service code 23 | — | $8K |
| MULTIPLAN EIN 13-3068979 PPO PROVIDER | Claims processing Service code 12 | — | $7K |
| IDAHO DEPART OF HEALTH AND WELFARE EIN 82-6000952 IMMUNIZATION ASSESSMENT | Insurance services Service code 23 | — | $5K |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED STATES FIRE INSURANCE | 120 | $375K |
| Dental | UNITED STATES FIRE INSURANCE | 120 | $375K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 120 | $8K |
| Prescription drug | UNITED STATES FIRE INSURANCE | 120 | $375K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE | 120 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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 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.