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 5 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 5 broker rows. $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 ADMINISTRATORS EIN 95-2360922 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $241K |
| BLUE CROSS EIN 95-4331852 NONE | Consulting (general); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | — | $29K |
| HEMMING MORSE CPAS AND CONSULTANTS EIN 30-0702322 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| INNOVATIVE COST MANANGEMENT EIN 77-0119752 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $17K |
| SALTZMAN & JOHNSON EIN 95-2376174 NONE | Legal; Direct payment from the plan Service code 29 | — | $15K |
| CITY NATIONAL SECURITIES NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 150 CALIFORNIA STREET, GROUND FLOOR SAN FRANCISCO, CA 94111 | $14K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Float revenue; Direct payment from the plan; Other fees; Claims processing 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 | 860 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 393 | $218K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 867 | $29K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 0 | $0 |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 867 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,011 | — |
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 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.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
The filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported. Worth a call.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.