| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN GREENFIELD, ME 01301 | HEALTH NEW ENGLAND, INC. | $28K | $0 | $28K | 3.20% |
| NORTHERN BENEFITS OF MASSACHUSETTS3 | 1233 SHELBURNE ROAD, SUITE C-2A SOUTH BURLINGTON, VT 05403 | ALTUS DENTAL INSURANCE COMPANY, INC. | $3K | $0 | $3K | 4.00% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $913 | $5K | 8.84% |
| NORTHERN BENEFITS OF MASSACHUSETTS3 | 5 MOUNT ROYAL AVENUE, SUITE 210 MARLBOROUGH, MA 01752 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.12% |
| NORTHERN BENEFITS OF MASSACHUSETTS3 | 5 MOUNT ROYAL AVENUE, SUITE 210 MARLBOROUGH, MA 01752 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INS. CO. OF AMERICA | $193 | $0 | $193 | 4.97% |
| SCHUSTER DRISCOLL LLC3 Filed as: THE SCHUSTER GROUP | 135 SOUTH ROAD FARMINGTON, CT 06032 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INS. CO. OF AMERICA | $193 | $0 | $193 | 4.97% |
| 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 | $57 | $0 | $57 | 1.47% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 83 | $863K |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 181 | $84K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INS. CO. OF AMERICA | 53 | $4K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $53K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $53K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 83 | $863K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.