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 12 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 10 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 |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS ADMINISTRATOR | Non-monetary compensation; Named fiduciary; Participant communication; Claims processing; Contract Administrator; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $3.0M |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 CLAIMS ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $183K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Float revenue; Contract Administrator; Direct payment from the plan; Claims processing; Other services; Non-monetary compensation; Participant communication; Named fiduciary Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURNACE CO. | Direct payment from the plan; Participant communication; Named fiduciary; Non-monetary compensation; Contract Administrator; Claims processing; Other services; Float revenue Service code 12 | — | $0 |
| WILLIS CORP. OF MARYLAND BROKER | Insurance brokerage commissions and fees Service code 53 | 12505 PARK POTOMAC AVE POTOMAC, MD 20854 | $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 | 7,283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,277 | $8.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,277 | $8.0M |
| Vision | VISION SERVICE PLAN | 4,438 | $626K |
| Life insurance(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,035 | $15.5M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 6,035 | $7.5M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 6,035 | $7.5M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,553 | $3.5M |
| Other(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,852 | $8.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,852 | — |
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.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
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.