| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENNETH C MEIER CORP3 Filed as: KENNETH MCLAUGHLIN | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 031011845 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.46% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN | 1350 BAYSHORE HWY STE 328 BURLINGAME, CA 940101812 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.33% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 028862233 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $644 | $0 | $644 | 0.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 SERVICE PROVIDER | Contract Administrator Service code 13 | — | $38K |
| HILB GROUP OF NEW ENGLAND, LLC INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | $28K |
| KENNETH B MCLAUGHLIN INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | $25K |
| JOHNSON & DUGAN INSURANCE SVC CORP | Insurance agents and brokers Service code 22 | — | $14K |
| JOHNSON & DUGAN INSURANCE SRV CORP INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | BAYSHORE HWY, STE 328 BURLINGAME, CA 940101812 | $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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 398 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.