| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBI BENEFITS CONSULTANTS3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | HARVARD PILGRIM HEALTH CARE | $23K | $0 | $23K | 3.41% |
| SBI BENEFITS CONSULTANTS3 | 68 NATIONAL DRIVE, SUITE 2 GLASTONBURY, CT 06033 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $3K | $18K | 18.60% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC5 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE, SUITE 8 BRANFORD, CT 06405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.82% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $607 | $607 | 0.64% |
| SBI BENEFITS CONSULTANTS3 | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $171 | $171 | 0.18% |
| SBI BENEFITS CONSULTANTS3 | 2 MECHANIC STREET EASTHAMPTON, MA 01027 | ALTUS DENTAL INSURANCE COMPANY, INC. | $4K | $0 | $4K | 6.72% |
| SBI BENEFITS CONSULTANTS3 | 68 NATIONAL DRIVE, SUITE 2 GLASTONBURY, CT 06033 | EYEMED | $667 | $0 | $667 | 8.97% |
| SBI BENEFITS CONSULTANTS3 | 2 MECHANIC STREET EASTHAMPTON, MA 01027 | ALTUS DENTAL INSURANCE COMPANY | $11 | $0 | $11 | 6.55% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 109 | $662K |
| Dental(2 contracts) | ALTUS DENTAL INSURANCE COMPANY, INC. | 143 | $55K |
| Vision | EYEMED | 95 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $95K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $95K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $95K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 109 | $662K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.