Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingThe primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
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 filing reports zero broker compensation on a plan over 100 participants. The plan likely buys direct or does not report its broker. Give it a call.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HealthHMOStop-lossIndemnity | HealthHMOStop-lossIndemnity | |
LifeOther | LifeOther |
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 | 8,950 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,950 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,658 | $17.9M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 8,663 | $274K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE STOP LOSS | 6,727 | $204K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 8,663 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,663 | - |
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.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Other insurance fees and expenses; Claims processing Service code 12 | — | $2.9M |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator; Claims processing; Plan Administrator; Copying and duplicating Service code 12 | — | $2.1M |
| THE SEGAL COMPANY (MIDWEST), INC. EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $300K |
| DELTA DENTAL OF COLORADO EIN 83-4416613 NONE | Contract Administrator; Claims processing Service code 12 | — | $296K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $264K |
| SPENCER FANE LLP EIN 44-0561981 NONE | Legal Service code 29 | — | $203K |
| MINES AND ASSOCIATES, INC. EIN 84-1028610 NONE | Claims processing Service code 12 | — | $190K |
| OPTUM RX EIN 33-0441200 NONE | Direct payment from the plan; Float revenue; Claims processing; Other fees Service code 12 | — | $139K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Actuarial; Consulting (general) Service code 11 | — | $131K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $70K |
| TRILOGY CONSULTING GROUP, INC. EIN 36-4016705 NONE | Consulting (general) Service code 16 | — | $34K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Float revenue; Securities brokerage commissions and fees; Custodial (securities); Direct payment from the plan; Soft dollars commissions Service code 19 | — | $17K |
| LAZARD ASSET MANAGEMENT NONE | Soft dollars commissions; Securities brokerage commissions and fees; Investment management; Investment management fees paid directly by plan Service code 28 | 30 ROCKEFELLER PLAZA NEW YORK, NY 10112 | $17K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $11K |
| FRSECURE, LLC EIN 26-3547185 NONE | Consulting (general) Service code 16 | — | $5K |
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.
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10 filings · 2016 to 2025