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 3 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 4 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 |
|---|---|---|---|
| NORTHWEST FIREFIGHTERS BENEFITS TR EIN 41-1416156 RELATED PARTY | Other services Service code 49 | P.O. BOX 6 MUKILTEO, WA 98275 | $11.3M |
| VIMLY BENEFIT SOLUTIONS EIN 91-1603312 NONE | Other fees Service code 99 | — | $95K |
| ASSURED PARTNERS OF MO, LLC NONE | Consulting (general) Service code 16 | 12645 OLIVE BLVD. SUITE 300 CREVE COEUR, MO 63141 | $46K |
| HAMMOND AND SHINNERS. P.C. NONE | Legal Service code 29 | 13205 MANCHESTER ROAD, STE 210 DES PERES, MO 63131 | $26K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | — | $24K |
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 | 1,967 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,862 | $658K |
| Vision | ADVANTICA INSURANCE COMPANY | 1,967 | $104K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,500 | $511K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,500 | $511K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,500 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,500 | — |
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."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
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.