| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIAI INC3 Filed as: FIAI INC. | 1100 ELM STREET MANCHESTER, NH 03101 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 5.47% |
| FIAI INC3 | 74 GILMAN ROAD BANGOR, ME 04402 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.12% |
| TGA CROSS INSURANCE3 | 401 EDGEWATER DRIVE SUITE 220 WAKEFIELD, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $5K | — | $5K | 4.21% |
| BUSINESS INSURANCE AGENCY3 | UNKNOWN BOSTON, MA 02215 | THE GUADRDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.64% |
| FIAI INC3 | P.O.BOX 1388 BANGOR, ME 04402 | THE GUADRDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.01% |
| TGA CROSS INSURANCE3 | 401 EDGEWATER DRIVE SUITE 220 WAKEFIELD, MA 01880 | THE GUADRDIAN LIFE INSURANCE COMPANY OF AMERICA | $508 | — | $508 | 0.85% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 20 | $130K |
| Vision | THE GUADRDIAN LIFE INSURANCE COMPANY OF AMERICA | 311 | $59K |
| Life insurance | AETNA LIFE INSURANCE CO. | 372 | $180K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 372 | $180K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 20 | $130K |
| Other | AETNA LIFE INSURANCE CO. | 372 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.