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 2 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 |
|---|---|---|---|
| LABOR FIRST, LLC NONE | Direct payment from the plan; Other services Service code 49 | 1000 MIDATLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 08054 | $362K |
| BENESYS, INC EIN 38-2383171 NONE | Copying and duplicating; Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $219K |
| AETNA EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $90K |
| PACIFIC WEALTH ADVISORS, LLC EIN 20-3431077 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $90K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Insurance brokerage commissions and fees; Consulting (general); Insurance services; Direct payment from the plan Service code 16 | — | $34K |
| BARLOW & COUGHRAN, P.S. EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $27K |
| WELFARE & PENSION ADMIN. SERVICES EIN 91-1363171 NONE | Direct payment from the plan; Accounting (including auditing); Plan Administrator; Copying and duplicating; Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $24K |
| WITHUM SMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $21K |
| PLUMBERS LOCAL UNION 375 EIN 92-0013904 SPONSORING LOCAL | Direct payment from the plan; Other services Service code 49 | — | $21K |
| PLATFORM CPAS, LLP EIN 88-4342576 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| SMART SOURCE LLC EIN 30-0830429 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $9K |
| HCCMA EIN 92-0116216 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $9K |
| HEALTHCARE ACTUARIES EIN 20-5718833 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $8K |
| TRANSCARENT, INC. EIN 84-3296541 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $6K |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 316 | $6K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 330 | $1.1M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 316 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.