| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | SUN LIFE ASSUARANCE COMPANY OF CANADA | $17K | $0 | $17K | 13.65% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $900 | $0 | $900 | 12.95% |
| JEANNE L. NICHOLSON3 | 800 WEST CUMMINGS PARK SUITE 6900 WOBURN, MA 01801 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $234 | $0 | $234 | 3.37% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $449 | $0 | $449 | 9.06% |
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 | 80 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 66 | $5K |
| Life insurance | SUN LIFE ASSUARANCE COMPANY OF CANADA | 79 | $121K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSUARANCE COMPANY OF CANADA | 79 | $128K |
| Other | SUN LIFE ASSUARANCE COMPANY OF CANADA | 79 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 79 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.