Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
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 has rich benefits or a bad rate.
The filing reports zero broker compensation on a plan over 100 participants. The plan likely buys direct or does not report its broker. Give it a call.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HMO | HMO | |
HMO | HMO | |
Vision | Vision | |
Stop-loss | Stop-loss |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 5 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 | 1,991 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 609 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,600 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,290 | $188K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 740 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,418 | - |
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.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS ADMINISTRATORS EIN 38-2383171 NONE | Claims processing; Direct payment from the plan; Participant loan processing; Participant communication; Contract Administrator Service code 12 | — | $796K |
| DELTA DENTAL EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $296K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $216K |
| ANTHEM BLUE CROSS EIN 95-3760980 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $207K |
| COLUMBIA MGMT INVESTMENT ADVISERS EIN 41-1533211 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $194K |
| NWQ INVESTMENTS EIN 47-0875103 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $169K |
| CHANGE HEALTHCARE NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 424 CHURCH STREET, SUITE 1400 NASHVILLE, TN 37219 | $155K |
| CRYSTAL CLEAR RX EIN 23-3009945 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $132K |
| NORTHWESTERN PLAN SERVICES EIN 91-2140506 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $113K |
| SUZANNE NEEDHAM EMPLOYEE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 6293 SAN IGNACIO AVENUE SAN JOSE, CA 95119 | $90K |
| KRAW LAW GROUP EIN 77-0171216 NONE | Legal; Direct payment from the plan Service code 29 | — | $90K |
| RAYMOND JAMES FINANCIAL INC NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 880 CARILLON PARKWAY ST PETERSBURG, FL 33716 | $67K |
| SALTZMAN & JOHNSON LAW GROUP EIN 94-2376174 NONE | Legal; Direct payment from the plan Service code 29 | — | $54K |
| BEAT IT PROGRAM EIN 77-0111619 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $45K |
| BROADRIDGE MATRIX TRUST CO EIN 75-3182674 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Float revenue Service code 21 | — | $33K |
| SMART SOURCE LLC NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 7270 MCGINNIS FERRY ROAD SUWANEE, GA 30024 | $30K |
| HEALTH ADVOCATE SOLUTIONS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19462 | $23K |
| SEGAL EIN 13-1925125 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $19K |
| MARSH & MCLENNAN AGENCY LLC | Insurance brokerage commissions and fees Service code 53 | — | $1K |
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.
1 contact
11 filings · 2015 to 2025