| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| K. BRIAN MCLAUGHLIN3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 1.71% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INS SERV CORP | 455 HICKEY BLVD STE 416 DALY CITY, CA 94015 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 0.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KENNETH B. MCLAUGHLIN INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | GRANITE GROUP BENEFITS, LLC 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | $35K |
| JOHNSON & DUGAN INSURANCE SRV CORP INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | 455 HICKEY BLVD, SUITE 416 DALY CITY, CA 94015 | $19K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 SERVICE PROVIDER | Contract Administrator Service code 13 | — | $8K |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 153 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.