| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMACK HEALTH LLC3 | P.O. BOX 419587 BOSTON, MA 02241 | TUFTS HEALTH FREEDOM INSURANCE | $60K | $4K | $63K | 2.24% |
| CAMMACK HEALTH LLC3 Filed as: CHARLES W CAMMACK ASSOCIATES | 2 RECTOR STREET SUITE 2300 NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.62% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $256 | $2K | 1.73% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | COMPANION LIFE | $14K | $5 | $14K | 20.83% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | COMPANION LIFE | $4K | $5 | $4K | 12.97% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1237 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $359 | — | $359 | 1.51% |
| CAMMACK HEALTH LLC3 Filed as: CHARLES W CAMMACK ASSOCIATES | 2 RECTOR STREET SUITE 2300 NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $709 | — | $709 | 4.82% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, MA 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $236 | $28 | $264 | 1.80% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | COMPANION LIFE | $2K | $5 | $2K | 20.69% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | COMPANION LIFE | $465 | $5 | $470 | 13.26% |
No Schedule C service providers reported on this filing.
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS HEALTH FREEDOM INSURANCE | 365 | $2.8M |
| Vision | RED TREE INSURANCE COMPANY, INC. | 548 | $24K |
| Life insurance(4 contracts) | COMPANION LIFE | 283 | $110K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $151K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $151K |
| Other(4 contracts) | COMPANION LIFE | 283 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.