Filings through .
History & trajectory Charts need 2 or more years. This plan has 2 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingTotal premium grew more than 20% over the prior year. The plan is a good candidate to re-shop its carriers.
The primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
Broker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Stop-loss | Stop-loss | |
Broker: Insurance Office of America Inc OtherLTDLifeSTD | OtherLTDLifeSTD | |
Broker: Insurance Office of America Other | Other |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 10 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 | 64 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 64 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $14K |
| Stop-loss / reinsurancereinsurance | CRUM & FORSTER | 40 | $176K |
| Other(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | - |
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: United of Omaha Life Insurance Company | |
Carrier: United of Omaha Life Insurance Company | |
Carrier: The Guardian Life Insurance Company of America |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $35K |
| PLANNED ADMINISTRATORS, INC. ADMIN | Claims processing Service code 12 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | $18K |
| INSURANCE OFFICE OF AMERICA - GEORG EIN 59-2472656 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
| REVIVEHEALTH, INC. EIN 86-1279290 OTHER | Other services Service code 49 | — | $6K |
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.
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2 filings · 2024 to 2025