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 50 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 43 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 |
|---|---|---|---|
| ACS HR SOLUTIONS EIN 51-0310342 NONE | Other services; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $3.7M |
| SMITH EDWARDS DUNLOP EIN 23-0539350 NONE | Copying and duplicating; Participant communication Service code 36 | — | $1.3M |
| HEWITT INSURANCE BROKERAGE NONE | Insurance agents and brokers Service code 22 | 39030 TREASURY CENTER CHICAGO, IL 60694 | $1.2M |
| GROUP ASSOCIATES EIN 38-2779844 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 13 | — | $597K |
| AON HEWITT EIN 22-2232264 NONE | Other services Service code 49 | — | $569K |
| MORGAN LEWIS & BOCKIUS EIN 23-0891050 NONE | Consulting (general); Legal Service code 16 | — | $321K |
| ADP INC. EIN 13-3036745 NONE | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Contract Administrator Service code 13 | — | $229K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $190K |
| INGENIX CONSULTING/OPTUM EIN 41-1858498 NONE | Consulting (general) Service code 16 | — | $75K |
| JOSEPH J. HANEY INSURANCE AGENT/BROKER | Other fees; Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions Service code 22 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | $75K |
| THE STERLING GROUP INC INSURANCE AGENT/BROKER | Other fees; Other commissions; Insurance agents and brokers; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | $12K |
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 | 32,911 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 361 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 33,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(40 contracts, 27 carriers) | INDEPENDENCE BLUE CROSS | 18,206 | $295.6M |
| Dental(7 contracts, 6 carriers) | DELTA DENTAL OF PENNSYLVANIA | 47,474 | $23.7M |
| Vision(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 26,141 | $9.3M |
| Life insurance(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 796 | $164K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 796 | $0 |
| Prescription drug(18 contracts, 14 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,800 | $21.2M |
| Other(3 contracts, 3 carriers) | TRIPLE S SALUD, INC. | 60 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,474 | — |
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."
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.