| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AISLING PARTNERS INSURANCE BROKERAG3 Filed as: AISLING PARTNERS INS. BROKERAGE | 25 HARVARD STREET WORCESTER, MA 01609 | HEALTH NEW ENGLAND | $30K | $0 | $30K | 3.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MA | $5K | $0 | $5K | 6.00% |
| AISLING PARTNERS INSURANCE BROKERAG3 Filed as: AISLING PARTNERS INS. BROKERAGE | 25 HARVARD STREET WORCESTER, MA 01609 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.05% |
| NORTHERN BENEFITS OF MA3 Filed as: NORTHERN BENEFITS OF MA LLC | 5 MOUNT ROYAL AVENUE, SUITE 210 MARLBORO, MA 01752 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $982 | $0 | $982 | 1.61% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $981 | $0 | $981 | 1.61% |
| AISLING PARTNERS INSURANCE BROKERAG3 Filed as: AISLING PARTNERS INS. BROKERAGE | 25 HARVARD STREET WORCESTER, MA 01609 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INS. CO. OF AMERICA | $432 | $0 | $432 | 10.81% |
| AISLING PARTNERS INSURANCE BROKERAG3 Filed as: AISLING PARTNERS INS. BROKERAGE | 25 HARVARD STREET WORCESTER, MA 01609 | PRINCIPAL LIFE INSURANCE COMPANY | $20 | $0 | $20 | 35.71% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND | 81 | $959K |
| Dental | DELTA DENTAL OF MA | 183 | $91K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INS. CO. OF AMERICA | 48 | $4K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $61K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $61K |
| Prescription drug | HEALTH NEW ENGLAND | 81 | $959K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.