| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WAYNE SLATTERY3 | 149 WATER STREET EXETER, NH 03833 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 3.92% |
| JUSTIN SLATTERY3 | 200 CLARENDON STREET BOSTON, MA 02116 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND FINANCIAL | 18210 CRANE NEST DRIVE, 3RD FLOOR TAMPA, FL 33647 | METROPOLITAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| WAYNE SLATTERY3 | 149 WATER STREET EXETER, NH 03833 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.76% |
| JUSTIN SLATTERY3 | 200 CLARENDON STREET BOSTON, MA 02116 | METROPOLITAN LIFE INSURANCE COMPANY | $590 | — | $590 | 1.05% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 606 | $415K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 606 | $415K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 606 | $415K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 606 | $415K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 606 | $415K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 606 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.