| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | AETNA LIFE INSURANCE COMPANY | $0 | $139K | $139K | 3.33% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | PO BOX 1023 BURLINGTON, MA 01803 | DELTA DENTAL OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $15K | $0 | $15K | 5.64% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $0 | $15K | 8.29% |
| CHRISTOPHER M. ALLEN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.44% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.68% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $6K | $0 | $6K | 22.00% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 667 | $4.2M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 726 | $272K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $206K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $178K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $178K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 667 | $4.2M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 278 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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.