| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH PLANS, INC.3 Filed as: HEALTH PLANS INC | 1500 W PARK DR #330 WESTBOROUGH, MA 01581 | UNIMERICA INSURANCE COMPANY | $33K | — | $33K | 14.00% |
| HEALTH PLANS, INC.3 Filed as: HEALTH PLANS INC MA | 1500 W PARK DR #330 WESTBOROUGH, MA 01581 | UNIMERICA INSURANCE COMPANY | — | $4K | $4K | 1.48% |
| KENNETH S BETTENHAUSER3 | C/O HR KNOWLEDGE 890 WINTER ST STE 208 WALTHAM, MA 02451 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.96% |
| HRK BROKERAGE SERVICES LLC3 | 905B S MAIN ST STE 203 MANSFIELD, MA 02048 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 40.28% |
| KEN BETTENHAUSER3 | 15 BERKSHIRE RD #B MAINSFIELD, MA 02048 | EYEMED | $702 | — | $702 | 9.90% |
| HRK BROKERAGE SERVICES LLC3 | 905B S MAIN ST STE 203 MANSFIELD, MA 02048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $569 | — | $569 | 46.26% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 104 | $237K |
| Vision | EYEMED | 146 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $64K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $64K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $64K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 104 | $237K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.