| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE | 11 ELKINS STREET STE 450 BOSTON, MA 02127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 7.50% |
| JOHN E OWINGS C/O OWINGS3 Filed as: JOHN OWINGS C/O OWINGS | PO BOX 220 HARVARD, MA 01451 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 7.50% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE | 11 ELKINS STREET STE 450 BOSTON, MA 02127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 7.50% |
| JOHN E OWINGS C/O OWINGS3 | PO 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, LLC | 11 ELKINS STREET STE 450 BOSTON, MA 02127 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.03% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE | 11 ELKINS STREET STE 450 BOSTON, MA 02127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 3.95% |
| JOHN E OWINGS C/O OWINGS3 | PO BOX 220 HARVARD, MA 01451 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 3.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS, INC EIN 04-2734278 THIRD PARTY ADMINISTRATOR | Claims processing; Other services Service code 12 | 1500 WEST PARK DRIVE WESTBOROUGH, MA 01581 | $135K |
| EBPA LLC EIN 20-1879465 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P.O. BOX 2365 SOUTH BURLINGTON, VT 05407 | $131K |
| ANTHEM HEALTH PLANS OF NH, INC EIN 02-0510530 SERVICE PROVIDER | Claims processing; Contract Administrator; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1351 WM. HOWARD TAFT ROAD CINCINNATI, OH 45206 | $62K |
| DELTA DENTAL PLAN OF NH, INC EIN 02-0273013 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | ONE DELTA DRIVE CONCORD, NH 03302 | $62K |
| BOSTON COMMONWEALTH ADVANTAGE, LLC EIN 45-3122099 BROKER | Insurance agents and brokers Service code 22 | 11 ELKINS STREET STE 450 BOSTON, MA 02127 | $27K |
| 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 | 502 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 413 | $235K |
| Vision | VISION SERVICE PLAN | 363 | $76K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 502 | $284K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 449 | $194K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 413 | $235K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 498 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.