| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | HPHC JOINT VENTURE UHG | $106K | $43K | $149K | 2.05% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $0 | $55K | 13.48% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $18K | $18K | 4.31% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 2.53% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 4.59% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | UNUM INSURANCE COMPANY | $9K | $0 | $9K | 10.04% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 4.94% |
| KIMBERLY ANNE CUNNINGHAM3 Filed as: KIMBERLY A. CUNNINGHAM | 266 FERRY LANDING CIRCLE PORTSMOUTH, RI 02871 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 2.22% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 1.20% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | PO BOX 736061 CHICAGO, IL 60673 | VISION SERVICE PLAN | $2K | — | $2K | 3.80% |
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 | 516 | 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) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC JOINT VENTURE UHG | 377 | $7.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 827 | $371K |
| Vision | VISION SERVICE PLAN | 287 | $48K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 511 | $411K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 511 | $411K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 511 | $411K |
| Prescription drug | HPHC JOINT VENTURE UHG | 377 | $7.3M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 516 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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 carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.