| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NOTCH INSURANCE PARTNERS Filed as: THE NOTCH INSURANCE PARTNERS LLC | PO BOX 1774 NORTH ADAMS, MA 01247 | HEALTH NEW ENGLAND, INC. | $87K | — | $87K | 2.07% |
| THE NOTCH INSURANCE PARTNERS Filed as: THE NOTCH INSURANCE PARTNERS LLC | PO BOX 1774 NORTH ADAMS, MA 01247 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| THE NOTCH INSURANCE PARTNERS Filed as: THE NOTCH INSURANCE PARTNERS LLC | PO BOX 1774 NORTH ADAMS, MA 01247 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.07% |
| THE NOTCH INSURANCE PARTNERS Filed as: THE NOTCH INSURANCE PARTNERS LLC | PO BOX 1774 NORTH ADAMS, MA 01247 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.85% |
| THE NOTCH INSURANCE PARTNERS Filed as: THE NOTCH INSURANCE PARTNERS LLC | PO BOX 1774 NORTH ADAMS, MA 01247 | VISION SERVICE PLAN | $1K | — | $1K | 4.49% |
| THE NOTCH INSURANCE PARTNERS Filed as: THE NOTCH INSURANCE PARTNERS LLC | PO BOX 1774 NORTH ADAMS, MA 01247 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| THE NOTCH INSURANCE PARTNERS Filed as: THE NOTCH INSURANCE PARTNERS LLC | PO BOX 1774 NORTH ADAMS, MA 01247 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $121 | — | $121 | 11.96% |
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 | 348 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 269 | $142K |
| Vision | VISION SERVICE PLAN | 246 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 369 | $54K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 348 | $68K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 303 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.