| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 Filed as: CLARK & LAVEY BENEFITS SOLUTIONS | 7 HENRY CLAY DR MERRIMACK, NH 03054 | NATIONWIDE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CLARK INSURANCE3 Filed as: CLARK & LAVEY BENEFITS SOLUTIONS | 7 HENRY CLAY DR MERRIMACK, NH 03054 | BLUE CROSS BLUE SHIELD OF MA | $5K | $987 | $6K | 4.87% |
| CLARK INSURANCE3 Filed as: CLARK & LAVEY BENEFITS SOLUTIONS | 7 HENRY CLAY DR MERRIMACK, NH 03054 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.44% |
| INDIGO INSURANCE SVC3 | 5TH FLOOR 446 MAIN ST WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.00% |
| CLARK INSURANCE3 Filed as: CLARK & LAVEY BENEFITS SOLUTIONS | 7 HENRY CLAY DR MERRIMACK, NH 03054 | VSP VISION SERVICE PLAN | $861 | $0 | $861 | 6.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS, INC EIN 04-2734278 THIRD PARTY ADMINISTRATOR | Other services; Claims processing Service code 12 | — | $90K |
| CLARK & LAVEY BENEFITS SOLUTIONS EIN 04-3348257 BROKER/CONSULTANT | Insurance agents and brokers Service code 22 | — | $55K |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MA | 330 | $120K |
| Vision | VSP VISION SERVICE PLAN | 117 | $13K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 173 | $83K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 173 | $83K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 173 | $83K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 142 | $494K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 173 | $83K |
| 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."
No prospect flags tripped on this filing.