| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET, SUITE 310 BOSTON, MA 02109 | HPHC JOINT VENTURE UHG | $382K | — | $382K | 1.00% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET, SUITE 310 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | — | $55K | 2.15% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO. | $162K | — | $162K | 10.76% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET, SUITE 310 BOSTON, MA 02109 | EYEMED VISION CARE | $16K | — | $16K | 6.51% |
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 | 2,870 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC JOINT VENTURE UHG | 5,471 | $38.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,554 | $2.6M |
| Vision | EYEMED VISION CARE | 4,694 | $247K |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,870 | $1.5M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 2,870 | $1.5M |
| Other | AETNA LIFE INSURANCE CO. | 2,870 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,554 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.