| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. - NH | 1100 ELM STREET MANCHESTER, NH 03101 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 4.02% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS BENEFIT SOLUTIONS - WELLESLEY | 287 LINDEN STREET WELLESLEY, MA 02482 | EYEMED VISION CARE | $4K | — | $4K | 5.15% |
| TGA CROSS INSURANCE3 | 401 EDGEWATER DRIVE SUITE 220 WAKEFIELD, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $3K | — | $3K | 5.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN ARTHUR SCOTTI | 100 STANWIX ST PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $183 | $4K | 10.45% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 5 | $56K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 200 | $38K |
| Vision | EYEMED VISION CARE | 836 | $74K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 536 | $317K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 536 | $317K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 5 | $56K |
| Other | HARTFORD LIFE AND ACCIDENT | 536 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.