| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBI BENEFITS CONSULTANTS3 Filed as: SBI BENEFITS CONSULTING GROUP | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | HEALTH NEW ENGLAND, INC. | $83K | — | $83K | 2.52% |
| SBI BENEFITS CONSULTANTS3 Filed as: SBI BENEFITS CONSULTING GROUP | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | DELTA DENTAL OF MASSACHUSETTS | $8K | — | $8K | 3.05% |
| SBI BENEFITS CONSULTANTS3 Filed as: SBI BENEFITS CONSULTING GROUP | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $1K | $18K | 16.04% |
| SBI BENEFITS CONSULTANTS3 Filed as: SBI BENEFITS CONSULTING GROUP | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | EYEMED | $2K | — | $2K | 9.92% |
| SBI BENEFITS CONSULTANTS3 Filed as: SBI BENEFITS CONSULTING GROUP | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 337 | $3.3M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 776 | $263K |
| Vision | EYEMED | 326 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 357 | $126K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 357 | $110K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 337 | $3.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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."
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.