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 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 |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Participant communication; Copying and duplicating; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $548K |
| AETNA EIN 06-6033492 NONE | Accounting (including auditing); Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $407K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $160K |
| TRANSCARENT EIN 84-3296541 NONE | Other services; Direct payment from the plan Service code 49 | — | $116K |
| BEACON OCCUPATIONAL HEALTH & SAFETY EIN 92-0166824 NONE | Direct payment from the plan; Other services Service code 49 | — | $68K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $51K |
| BARLOW & COUGHRAN, P.S. EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $34K |
| US BANK, NATIONAL ASSOCIATION EIN 31-0841368 NONE | Soft dollars commissions; Float revenue; Direct payment from the plan; Custodial (securities) Service code 19 | — | $16K |
| MEKETA INVESTMENT GROUP, INC. EIN 04-2659023 NONE | Direct payment from the plan; Consulting (pension); Investment advisory (plan) Service code 17 | — | $13K |
| MARSH MCLENNAN AGENCY LLC EIN 36-1436000 NONE | Insurance agents and brokers Service code 22 | — | $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 | 1,097 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 958 | $55K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,062 | $27K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,062 | $1.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,062 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,062 | — |
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."
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.
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.