Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
HealthIndemnity | HealthIndemnity | Pro |
Broker: New England Employee Benefits Co in Dental | Dental | Pro |
Broker: Alera Group Inc Dba Neebco STDLTDLifeOther | STDLTDLifeOther | Pro |
Broker: New England Employee Benefits Compa Vision | Vision | Pro |
See premium, retention and renewal dates for 6 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 161 | $2.3M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 258 | $128K |
| Vision | AMERITAS LIFE INSURANCE CORP | 380 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $42K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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."
The primary broker changed. The plan may take a second-look pitch.
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.