| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH PLANS, INC.3 Filed as: HEALTH PLANS INC | 1500 WEST PARK DR WESTBOROUGH, MA 01581 | SUN LIFE ASSURANCE COMPANY OF CANADA | $119K | $0 | $119K | 20.51% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGNECY | PO BOX 511 CONCORD, NH 03302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | $0 | $48K | 8.27% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE PO BOX 511 CONCORD, NH 03302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.09% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DR SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE PO BOX 511 CONCORD, NH 03302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.86% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DR SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.93% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE PO BOX 511 CONCORD, NH 03302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $116 | $0 | $116 | 15.01% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DR SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39 | $0 | $39 | 5.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC EIN 04-2734278 ADMINISTRATOR | Contract Administrator Service code 13 | 1500 WEST PARK DR WESTBOROUGH, MA 01581 | $119K |
| THE ROWLEY AGENCY ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 511 CONCORD, NH 03302 | $53K |
| COMBINED SERVICES LIMITED LIABILITY ADMINISTRATOR | Contract Administrator Service code 13 | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | $3K |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $583K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $39K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $40K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $583K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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 prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.