| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | 607 NORTH AVENUE WAKEFIELD, MA 01970 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $35K | — | $35K | 4.26% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | STANDARD INSURANCE COMPANY | $2K | $254 | $2K | 2.90% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET LOWELL, MA 01851 | STANDARD INSURANCE COMPANY | $101 | — | $101 | 0.13% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | STANDARD INSURANCE COMPANY | $1K | $116 | $2K | 9.18% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET LOWELL, MA 01851 | STANDARD INSURANCE COMPANY | $81 | — | $81 | 0.48% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | STANDARD INSURANCE COMPANY | $1K | $60 | $1K | 14.48% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET LOWELL, MA 01851 | STANDARD INSURANCE COMPANY | $105 | — | $105 | 1.21% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | STANDARD INSURANCE COMPANY | $181 | $53 | $234 | 2.79% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET LOWELL, MA 01851 | STANDARD INSURANCE COMPANY | $11 | — | $11 | 0.13% |
No Schedule C service providers reported on this filing.
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 157 | $815K |
| Dental | STANDARD INSURANCE COMPANY | 128 | $80K |
| Vision | STANDARD INSURANCE COMPANY | 128 | $8K |
| Short-term disability | STANDARD INSURANCE COMPANY | 167 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 168 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.