| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN SPRINGFIELD, MA 11192 | HEALTH NEW ENGLAND, INC. | $133K | — | $133K | 1.82% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON STREET PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $18K | $32K | 4.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 101 PARK AVE 12TH FLOOR NEW YORK, NY 10178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.52% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN SPRINGFIELD, MA 11192 | ESI EMPLOYEE ASSISTANCE GROUP | $805 | — | $805 | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | — | $371 | $371 | 15.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 101 PARK AVE 12TH FLOOR NEW YORK, NY 10016 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $371 | — | $371 | 15.02% |
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 | 448 | 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) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 448 | $7.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 747 | $708K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 747 | $708K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 747 | $708K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 747 | $708K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 747 | $708K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 448 | $7.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 747 | $727K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.