| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMBERTI & ASSOCIATES LLC3 Filed as: LAMBERTI & ASSOCIATES, LLC | ONE NEW HAMPSHIRE AVE, STE 125 PORTSMOUTH, NH 03801 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $30K | — | $30K | 2.09% |
| LAMBERTI & ASSOCIATES LLC3 | 1 NH AVE STE 125 PORTSMOUTH, NH 03801 | GUARDIAN | $18K | — | $18K | 15.00% |
| LAMBERTI & ASSOCIATES LLC3 Filed as: LAMBERTI & ASSOCIATES, LLC | ONE NEW HAMPSHIRE AVE STE 125 PORTSMOUTH, NH 03801 | DELTA DENTAL OF MA | $3K | — | $3K | 3.74% |
| LAMBERTI & ASSOCIATES LLC3 Filed as: LAMBERTI & ASSOCIATES, LLC | ONE HAMPSHIRE AVE, STE 125 PORTSMOUTH, NH 03801 | DELTA DENTAL OF MA | $330 | — | $330 | 3.78% |
| LAMBERTI & ASSOCIATES LLC3 | 1 NH AVE STE 125 PORTSMOUTH, NH 03801 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $1K | — | $1K | 43.15% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 165 | $1.4M |
| Dental(2 contracts) | DELTA DENTAL OF MA | 195 | $97K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 179 | $3K |
| Life insurance | GUARDIAN | 149 | $119K |
| Short-term disability | GUARDIAN | 149 | $119K |
| Long-term disability | GUARDIAN | 149 | $119K |
| Other | GUARDIAN | 149 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.