Filings through .
History & trajectory Charts need 2 or more years. This plan has 3 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker 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 Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Alight Solutions LifeOtherLTD | LifeOtherLTD | |
Stop-lossOther | Stop-lossOther | |
HealthRxDentalVisionLifePPO | HealthRxDentalVisionLifePPO | |
Health | Health | |
DentalIndemnity | DentalIndemnity |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 6 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 | 39,757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 39,874 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 164 | $2.2M |
| Dental(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 3,120 | $2.1M |
| Vision | MCS LIFE INSURANCE COMPANY | 164 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 34,998 | $6.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,080 | $1.3M |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 164 | $1.3M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 33,545 | $6.0M |
| Other(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 34,998 | $11.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,998 | - |
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 |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC EIN 33-0441200 PHARAMCY BENEFIT MGMT | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $79.2M |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSING | Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Other services Service code 12 | — | $14.9M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $997K |
| ALIGHT EIN 36-2235791 RECORDKEEPER | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
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
Phone and email for the actuary are on Pro.
3 filings · 2023 to 2025