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 4 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 1 broker row. $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 HEALTHCARE EIN 59-1031071 NONE, OTHER THAN CONTRACT | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Participant communication; Float revenue; Other services Service code 12 | 1101 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85029 | $2.6M |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE, OTHER THAN CONTRACT | Contract Administrator Service code 13 | 2001 W CAMELBACK RD STE B350 PHOENIX, AZ 85015 | $280K |
| THE SEGAL COMPANY EIN 13-1835864 NONE, OTHER THAN CONTRACT | Actuarial Service code 11 | 1230 W WASHINGTON STREET SUITE 501 TEMPE, AZ 85281 | $53K |
| VALUE OPTION INSURANCE NONE | Claims processing Service code 12 | 200 STATE STREET BOSTON, MA 02109 | $36K |
| RYAN RAPP & UNDERWOOD EIN 86-0767091 NONE, OTHER THAN CONTRACT | Legal Service code 29 | 3200 N CENTRAL AVE STE 2250 PHOENIX, AZ 85012 | $34K |
| BALDWIN & BALDWIN PLLC EIN 46-4370753 NONE, OTHER THAN CONTRACT | Accounting (including auditing) Service code 10 | 701 NORTH 44TH STREET PHOENIX, AZ 85008 | $31K |
| NECASTAR EIN 86-0140480 NONE, OTHER THAN CONTRACT | Other services Service code 49 | 4315 N. 12TH STREET PHOENIX, AZ 85014 | $28K |
| NWQ INVESTMENT MANAGEMENT EIN 04-3161875 NONE, OTHER THAN CONTRACT | Investment management fees paid directly by plan; Soft dollars commissions Service code 51 | 2049 CENTURY PARK E 18TH FLOOR LOS ANGELES, CA 90067 | $20K |
| INTERNATIONAL PRINTING NONE, OTHER THAN CONTRACT | Copying and duplicating Service code 36 | 2241 S. 7TH STREET PHOENIX, AZ 85034 | $5K |
| BMO HARRIS BANK NONE, OTHER THAN CONTRACT | Other fees; Custodial (securities) Service code 19 | PO BOX 97558 LAS VEGAS, NV 89196 | $5K |
| SEGAL SELECT INSURANCE EIN 46-0619194 NONE, OTHER THAN CONTRACT | Insurance brokerage commissions and fees Service code 53 | — | $5K |
| CIGNA | Float revenue; Named fiduciary; Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Participant communication; Contract Administrator Service code 12 | — | $0 |
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 | 1,561 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 167 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 300 | $1.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,694 | $826K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,300 | $758K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,500 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,694 | — |
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 comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
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.