| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $11K | $15K | $26K | 6.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE BOSTON, ME 02199 | EYEMED | $5K | $0 | $5K | 7.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | EYEMED | $35 | $0 | $35 | 19.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MASSACHUSETTS EIN 04-6143185 NONE | Claims processing Service code 12 | 465 MEDFORD ST #150 BOSTON, MA 02129 | $68K |
| HEALTH EQUITY, INC. EIN 52-2383166 NONE | Claims processing Service code 12 | 15 W. SCENIC POINTE DRIVE SUITE 100 DRAPER, UT 84020 | $28K |
| KGA EIN 04-3526805 NONE | Claims processing Service code 12 | 144 TURNPIKE RD SUITE 140 SOUTHBOROUGH, MA 01772 | $27K |
| MARSH & MCLENNAN AGENCY, LLC EIN 26-3237576 NONE | Insurance brokerage commissions and fees Service code 53 | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | $14K |
| LINCOLN LIFE ASSURANCE EIN 04-6076039 NONE | Claims processing Service code 12 | 10 ST JAMES AVE BOSTON, MA 02116 | $13K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 NONE | Claims processing Service code 12 | PO BOX 6729 LEAWOOD, KS 662060729 | $5K |
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 | 750 | 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) | 750 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED | 890 | $59K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 820 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 890 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.