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 7 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 |
|---|---|---|---|
| UNION ROOFERS ADMINISTRATIVE FUND EIN 95-2159333 PARTY-IN-INTREST | Direct payment from the plan; Contract Administrator; Plan Administrator Service code 13 | — | $674K |
| MCMORGAN & COMPANY EIN 52-2334338 NONE OTHER THAN CONTRACT | Investment management; Direct payment from the plan Service code 28 | — | $131K |
| RAEL & LETSON EIN 94-1701048 NONE OTHER THAN CONTRACT | Actuarial; Direct payment from the plan Service code 11 | — | $39K |
| US BANK EIN 31-0841368 NONE OTHER THAN CONTRACT | Custodial (securities); Direct payment from the plan Service code 19 | — | $37K |
| MEDEXPERT INTERNATIONAL NONE OTHER THAN CONTRACT | Consulting (general) Service code 16 | 1300 HANDCOCK STREET REDWOOD CITY, CA 94063 | $33K |
| THE WAGNER LAW FIRM NONE OTHER THAN CONTRACT | Legal; Direct payment from the plan Service code 29 | 17777 CENTER COURT DRIVE N STE 600 CERRITOS, CA 90703 | $22K |
| BALDWIN MOFFITT BEHM LLP EIN 46-4370753 NONE OTHER THAN CONTRACT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| COMPLIANCE VERIFICATION, INC. NONE OTHER THAN CONTRACT | Accounting (including auditing); Direct payment from the plan Service code 10 | 23438 BALMORAL LANE WEST HILLS, CA 91307 | $14K |
| CYNTHIA GRAYDON EIN 56-2455975 NONE OTHER THAN CONTRACT | Consulting (general); Direct payment from the plan Service code 16 | — | $10K |
| MARSH MCLENNAN EIN 36-2668272 NONE OTHER THAN CONTRACT | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $8K |
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 | 1,202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 105 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 461 | $451K |
| Vision | VISION SERVICE PLAN | 714 | $19K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 1,202 | $481K |
| Other | STANDARD INSURANCE COMPANY | 1,176 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,202 | — |
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.
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
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.
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.