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 49 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 41 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 |
|---|---|---|---|
| AON HEWITT EIN 22-2232264 NONE | Other services; Contract Administrator Service code 13 | — | $5.3M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Direct payment from the plan; Other services; Float revenue; Non-monetary compensation; Named fiduciary; Participant communication; Claims processing Service code 12 | — | $4.2M |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $3.8M |
| CONDUENT NONE | Recordkeeping fees; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 100 CAMPUS DR STE 200 FLORHAM PARK, NJ 07932 | $3.5M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $2.4M |
| MAESTRO HEALTH EIN 38-2779844 NONE | Recordkeeping fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $529K |
| SMITH EDWARDS DUNLOP EIN 23-0539350 NONE | Copying and duplicating; Participant communication Service code 36 | — | $480K |
| MORGAN LEWIS & BOCKIUS EIN 23-0891050 NONE | Legal Service code 29 | — | $392K |
| JOSEPH J. HANEY INSURANCE AGENT/BROKER | Other fees; Insurance brokerage commissions and fees; Other commissions; Non-monetary compensation; Insurance agents and brokers Service code 22 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | $81K |
| CIGNA BEHAVIORAL HEALTH INC. EIN 41-1648670 NONE | Claims processing; Direct payment from the plan; Participant communication; Contract Administrator Service code 12 | — | $77K |
| TOWERS WATSON EIN 23-1195360 NONE | Consulting (general) Service code 16 | — | $25K |
| THE STERLING GROUP INC INSURANCE AGENT/BROKER | Other fees; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers Service code 22 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | $6K |
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 | 30,666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,375 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 32,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(41 contracts, 25 carriers) | INDEPENDENCE BLUE CROSS | 16,266 | $109.4M |
| Dental(5 contracts, 5 carriers) | DELTA DENTAL OF PENNSYLVANIA | 50,791 | $25.9M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 26,364 | $11.8M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 877 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 877 | $903K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 877 | $903K |
| Prescription drug(16 contracts, 11 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,470 | $25.8M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 877 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,791 | — |
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 broker changed. The plan may take a second-look pitch.
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.
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.