| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S L MILLER INS. AGCY INC.3 | 401 EDGEWATER PL., SUITE 220 WAKEFIELD, MA 01880 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF NEW HAMPSHIR EIN 02-0510053 ADMINISTRATOR | Claims processing; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Insurance agents and brokers; Other services; Float revenue; Other commissions Service code 12 | — | $132K |
| SEI INVESTMENTS EIN 23-3060382 NONE | Custodial (securities); Trustee (bank, trust company, or similar financial institution); Trustee (directed); Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 19 | — | $51K |
| ERNST & YOUNG LLP CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | PO BOX 640382 PITTSBURGH, PA 15264 | $44K |
| CARON & BLETZER, PLLC EIN 04-3499945 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
| CARON & BLETZER TS, PLLC EIN 47-2722581 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $7K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 372 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1 | $126K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE INC | 372 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.