| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NOTCH INSURANCE PARTNERS | 131 ASHLAND STREET NORTH ADAMS, MA 01247 | HEALTH NEW ENGLAND, INC. | $100K | — | $100K | 2.70% |
| THE NOTCH INSURANCE PARTNERS | 131 ASHLAND STREET NORTH ADAMS, MA 01247 | CIGNA HEALTH AND LIFE INSURANCE CO | $3K | $267 | $3K | 2.15% |
| THE NOTCH INSURANCE PARTNERS | 131 ASHLAND STREET NORTH ADAMS, MA 01247 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 13.84% |
| THE NOTCH INSURANCE PARTNERS | 131 ASHLAND STREET NORTH ADAMS, MA 01247 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 7.11% |
| THE NOTCH INSURANCE PARTNERS Filed as: THE NOTCH INSURANCE PARTNERS LLC | 131 ASHLAND STREET NORTH ADAMS, MA 01247 | VISION SERVICE PLAN | $1K | — | $1K | 4.89% |
| THE NOTCH INSURANCE PARTNERS | 131 ASHLAND STREET NORTH ADAMS, MA 01247 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $823 | — | $823 | 12.77% |
| THE NOTCH INSURANCE PARTNERS | 131 ASHLAND STREET NORTH ADAMS, MA 01247 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $138 | — | $138 | 11.97% |
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 | 330 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 254 | $152K |
| Vision | VISION SERVICE PLAN | 211 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 256 | $53K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 75 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 330 | $55K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 256 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.