| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD, INC. | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $24K | $24K | 1.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $24K | $24K | 1.57% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD, INC. | 401 EDGEWATER DRIVE, SUITE 100 WAKEFIELD, MA 01880 | ALTUS DENTAL INSURANCE COMPANY, INC. | $2K | $0 | $2K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | ALTUS DENTAL INSURANCE COMPANY, INC. | $1K | $0 | $1K | 1.33% |
| SCHUSTER DRISCOLL LLC3 | 29 SOUTH MAIN STREET, SUITE 300 WEST HARTFORD, CT 06107 | ALTUS DENTAL INSURANCE COMPANY, INC. | $611 | $0 | $611 | 0.67% |
| ACRISURE LLC3 Filed as: ACRISURE HEALTH SOLUTIONS INS. AGCY | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 7.19% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DRIVE, SUITE 204 SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 6.10% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD, INC. | PO BOX 1388 BANGOR, ME 04402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 14.72% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.6M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 180 | $92K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 171 | $10K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $51K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $51K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.6M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.