| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE | 11 ELKINS STREET SUITE 450 BOSTON, MA 02127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $0 | $22K | 7.50% |
| JOHN E OWINGS C/O OWINGS3 Filed as: JOHN E OWINGS | P.O. BOX 220 HARVARD, MA 01451 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $0 | $22K | 7.50% |
| JOHN E OWINGS C/O OWINGS3 Filed as: JOHN E. OWINGS | P.O. BOX 220 HARVARD, MA 01451 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 7.50% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE | 11 ELKINS STREET SUITE 450 BOSTON, MA 02127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 7.50% |
| HPI5 | 1500 WEST PARK DRIVE WESTBOROUGH, MA 01581 | UNIMERICA INSURANCE COMPANY | $5K | $0 | $5K | 3.01% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE | 11 ELKINS STREET SUITE 450 BOSTON, MA 02127 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.85% |
| JOHN E OWINGS C/O OWINGS3 Filed as: JOHN OWINGS | P.O. BOX 220 HARVARD, MA 01451 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 3.95% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE | 11 ELKINS STREET SUITE 460 BOSTON, MA 02127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 3.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HPI EIN 04-2734278 THIRD PARTY ADMINISTRATOR | Claims processing; Other services Service code 12 | 1500 WEST PARK DRIVE WESTBOROUGH, MA 01581 | $267K |
| DELTA DENTAL PLAN OF NEW HAMPSHIRE EIN 02-0273013 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | ONE DELTA DRIVE CONCORD, NH 03302 | $61K |
| BOSTON COMMONWEALTH ADVANTAGE, LLC EIN 45-3122099 BROKER | Insurance agents and brokers Service code 22 | 11 ELKINS STREET STE. 450 BOSTON, MA 02127 | $7K |
| JOHN OWINGS EIN 42-8800370 BROKER | Insurance agents and brokers Service code 22 | P.O. BOX 220 HARVARD, MA 01451 | $7K |
| COMBINED SERVICES, LLC EIN 02-0479434 BROKER | Insurance agents and brokers Service code 22 | — | $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 | 497 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 401 | $168K |
| Vision | VISION SERVICE PLAN | 360 | $82K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 497 | $289K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 465 | $206K |
| Prescription drug | UNIMERICA INSURANCE COMPANY | 401 | $168K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 401 | $168K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 492 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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."
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.