| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BP BENEFITS, LLC3 Filed as: BP BENEFITS | 75 SECOND AVENUE SUITE 702 NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.00% |
| ACCESS ENROLL5 | 33 LANDAU RD PLAINVILLE, MA 02762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.00% |
| BP BENEFITS, LLC3 Filed as: BP BENEFITS | 75 SECOND AVENUE SUITE 702 NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.81% |
| ACCESS ENROLL5 | 33 LANDAU RD PLAINVILLE, MA 02762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.88% |
| BP BENEFITS, LLC3 | 75 SECOND AVE. SUITE 702 NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $517 | — | $517 | 1.96% |
| ACCESS ENROLL5 | 33 LANDAU RD PLAINVEILLE, MA 02762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $239 | — | $239 | 0.91% |
| PFG BENEFITS, INC.3 | 117 KENDRICK STREET NEEDHAM, MA 02494 | EYEMED | $1K | — | $1K | 8.61% |
| BP BENEFITS, LLC3 | 75 SECOND AVE SUITE 702 NEEDHAM, MA 02494 | PROVIDENT LIFE AND ACCIDENT INSRUANCE COMPANY | $247 | — | $247 | 2.42% |
| ACCESS ENROLL5 | 33 LANDAU RD PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSRUANCE COMPANY | $86 | — | $86 | 0.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PFG BENEFITS EIN 47-2257650 INSURANCE AGENT | Custodial (securities) Service code 19 | 75 SECOND AVE NEEDHAM, MA 02494 | $102K |
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 5560 W GRANDE MARKET DRIVE APPLETON, WI 54913 | $67K |
| 6 DEGREES HEALTH EIN 81-4242649 OTHER | Other fees Service code 99 | 5800 NE PINEFARM CT SUITE 20 HILLSBOROUGH, OR 97124 | $42K |
| NARUS HEALTH EIN 47-1929604 OTHER | Other fees Service code 99 | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | $8K |
| HEALTHEOS EIN 39-1634080 OTHER | Other fees Service code 99 | PO BOX 26095 NEW YORK, NY 100879380 | $7K |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 243 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $63K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $61K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF AMERICA | 179 | $499K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
No prospect flags tripped on this filing.