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 1 contract row 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.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ONEAMERICA RETIREMENT SERVICES EIN 46-5378846 RECORDKEEPER | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Participant loan processing; Account maintenance fees Service code 15 | — | $122K |
| BLUE WATER ADVISORS INVESTMENT ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 133 EAST MAIN STREET SUITE 2D BABYLON, NY 11702 | $31K |
| QCI ASSET MANAGEMENT INVESTMENT ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | 40A GROVE STREET PITTSFORD, NY 14534 | $29K |
| LYON CAPITAL MANAGEMENT EIN 16-1516933 INVESTMENT ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | — | $24K |
| CRAIG CAIRNS HOWE & RUSLING INVESTMENT ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 120 EAST AVENUE ROCHESTER, NY 14604 | $12K |
| MG TRUST COMPANY DBA MATRIX TRUST C EIN 75-3182674 CUSTODIAN/RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Account maintenance fees; Copying and duplicating; Sub-transfer agency fees; Float revenue; Consulting (general); Participant loan processing; Recordkeeping fees; Custodial (securities); Direct payment from the plan Service code 15 | — | $5K |
| COBBLESTONE CAPITAL ADVISORS EIN 16-1543732 INVESTMENT ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | — | $4K |
| MATRIX TRUST COMPANY | Soft dollars commissions; Float revenue Service code 62 | — | $0 |
| TD AMERITRADE, INC. | Sub-transfer agency fees; Soft dollars commissions; Shareholder servicing fees; Distribution (12b-1) fees Service code 59 | — | $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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 230 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERITAS LIFE INSURANCE COMPANY | 1 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1 | — |
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.