Filings through .
History & trajectory Charts need 2 or more years. This plan has 6 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingThe primary broker changed. The plan may listen to a new pitch.
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Stop-loss | Stop-loss | |
Broker: Emerson Rogers LLC LifeOther | LifeOther | |
Broker: Benefits Evaluation Group Inc Vision | Vision |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 3 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 584 | 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) | 586 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP OF NEW YORK | 1,359 | $50K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 608 | $52K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE | 443 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 608 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,359 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Metropolitan Life Insurance Company | |
Carrier: Metropolitan Life Insurance Company | |
Carrier: Ameritas Life Insurance Corp of New York |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INS COMPANY EIN 06-6033492 PPO ACCESS PROVIDER | Claims processing Service code 12 | PO BOX 88860 CHICAGO, IL 60695 | $88K |
| LUCENT HEALTH SOLUTIONS LLC EIN 39-1997579 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | $74K |
| AMERITAS CORP EIN 13-3758127 INSURANCE SERVICES | Insurance services Service code 23 | 5900 O STREET LINCOLN, NE 68510 | $71K |
| METLIFE SMALL MARKET CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 804466 KANSAS CITY, MO 64180 | $52K |
| LUCENT HEALTH CARE MANAGEMENT EIN 39-1997579 INSURANCE SERVICES | Insurance services Service code 23 | 424 CHURCH ST SUITE 2300 NASHVILLE, TN 37219 | $19K |
| LUCENT HEALTH CARE CORE SERVICES EIN 39-1997579 INSURANCE SERVICES | Insurance services Service code 23 | 424 CHURCH ST SUITE 2300 NASHVILLE, TN 37219 | $13K |
| TELADOC EIN 04-3705970 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 123417 DALLAS, TX 75312 | $11K |
| LUCENT HEALTH CARE CONCIEGE EIN 39-1997579 INSURANCE SERVICES | Insurance services Service code 23 | 424 CHURCH ST SUITE 2300 NASHVILLE, TN 37219 | $6K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
3 contacts
6 filings · 2020 to 2025