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 8 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 12 broker rows. $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 |
|---|---|---|---|
| CIGNA EIN 59-1031071 CLAIMS PROCESSOR | Participant communication; Claims processing; Other services; Float revenue; Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $1.7M |
| CIGNA DENTAL EIN 59-1031071 CONTRACT ADMINISTRATOR | Named fiduciary; Participant communication; Non-monetary compensation; Contract Administrator; Float revenue; Other services; Claims processing; Direct payment from the plan Service code 12 | — | $113K |
| VISION SERVICE PLAN EIN 23-7089668 CONTRACT ADMINISTRATOR | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Direct payment from the plan Service code 12 | — | $35K |
| CLIFTONLARSONALLENLLP EIN 41-0746749 ACCOUNTANT | Accounting (including auditing) Service code 10 | 1966 GREENSPRING DR TIMONIUM, MD 21093 | $32K |
| BOLTON PARTNERS INC EIN 52-1231144 ACTUARY | Actuarial Service code 11 | — | $31K |
| WEX, INC. EIN 01-0526993 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $25K |
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 | 877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 88 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 89 | $30K |
| Vision | VISION SERVICE PLAN | 845 | $125K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO | 868 | $592K |
| Long-term disability(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 773 | $347K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 859 | $2.0M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 868 | $622K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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 primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
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.