| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FITTS INSURANCE AGENCY, INC. Filed as: FITTS INSURANCE AGENCY | 2 WILLOW STREET STE 102 SOUTHBOROUGH, MA 01745 | HARVARD PILGRIM HEALTH CARE | $52K | — | $52K | 1.21% |
| FITTS INSURANCE AGENCY, INC. Filed as: FITTS INSURANCE AGENCY | 2 WILLOW STREET STE 102 SOUTHBOROUGH, MA 01745 | GUARDIAN DENTAL | $6K | — | $6K | 2.30% |
| FITTS INSURANCE AGENCY, INC. Filed as: FITTS INSURANCE AGENCY | 2 WILLOW STREET STE 102 SOUTHBOROUGH, MA 01745 | HRC TOTAL SOLUTIONS | — | $13K | $13K | 9.15% |
| FITTS INSURANCE AGENCY, INC. Filed as: FITTS INSURANCE AGENCY | 2 WILLOW STREET STE 102 SOUTHBOROUGH, MA 01745 | UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 6.97% |
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 | 546 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 544 | $4.3M |
| Dental | GUARDIAN DENTAL | 332 | $251K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 546 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 546 | $108K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 544 | $4.3M |
| Other(2 contracts, 2 carriers) | HRC TOTAL SOLUTIONS | 546 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.