| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | ALTUS DENTAL INSURANCE COMPANY | $4K | — | $4K | 3.99% |
| SENTINEL BENEFITS & FINANCIAL GROUP3 | 100 QUANNAPOWITT PKWY, STE 402 WAKEFIELD, MA 01880 | ALTUS DENTAL INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.51% |
| SENTINEL INSURANCE AGENCY, INC.3 Filed as: SENTINEL INSURANCE AGENCY, LLC | 100 QUANNAPOWITT PKWY, STE 402 WAKEFIELD, MA 01880 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.94% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | HEALTH PLANS, INC. (HPI) | $42 | — | $42 | 7.69% |
| HILB GROUP OF NEW ENGLAND Filed as: HILB GROUP OF NEW ENGLAD | 973 IYANNOUGH ROAD HYANNIS, MA 06201 | HEALTH PLANS, INC. (HPI) | $17 | — | $17 | 3.11% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLANS, INC. (HPI) | 80 | $546 |
| Dental | ALTUS DENTAL INSURANCE COMPANY | 186 | $93K |
| Vision | ALTUS DENTAL INSURANCE COMPANY | 186 | $93K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $41K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.