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 broker changed. The plan may listen to a new pitch.
Broker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 7 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 | 808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 901 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 73 | $23K |
| Vision | VISION SERVICE PLAN | 854 | $135K |
| Life insurance | PRUDENTIAL GROUP INSURANCE | 2,679 | $711K |
| Long-term disability(4 contracts, 2 carriers) | PRUDENTIAL GROUP INSURANCE | 2,679 | $736K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 861 | $2.4M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL GROUP INSURANCE | 2,679 | $734K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,679 | - |
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.
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA MEDICAL EIN 59-1031071 CLAIMS PROCESSOR | Participant communication; Other services; Claims processing; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Float revenue; Contract Administrator Service code 12 | — | $2.1M |
| CIGNA DENTAL EIN 59-1031071 CONTRACT ADMINISTRATOR | Participant communication; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Other services; Contract Administrator; Claims processing; Float revenue Service code 12 | — | $92K |
| VISION SERVICE PLAN EIN 23-7089668 CONTRACT ADMINISTRATOR | Other services; Direct payment from the plan; Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Float revenue; Contract Administrator Service code 12 | — | $37K |
| CLIFTONLARSONALLENLLP EIN 41-0746749 ACCOUNTANT | Accounting (including auditing) Service code 10 | 1966 GREENSPRING DR TIMONIUM, MD 21093 | $34K |
| BOLTON PARTNERS INC EIN 52-1231144 ACTUARY | Actuarial Service code 11 | — | $31K |
| WEX, INC. EIN 01-0526993 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $26K |
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.
6 contacts
11 filings · 2015 to 2025