| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET LOWELL, MA 01851 | HARVARD PILGRIM HEALTH CARE | $29K | — | $29K | 3.49% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET LOWELL, MA 01851 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $8K | $10K | $17K | 6.02% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET LOWELL, MA 01851 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 11.31% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET LOWELL, MA 01851 | DENTAL SERVICE OF MASSACHUSETTS DBA DELTA DENTAL OF MA | $3K | — | $3K | 3.93% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET LOWELL, MA 01851 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | $1K | — | $1K | 4.57% |
| FRED C. CHURCH INC.3 | 41 WELLMAN STREET LOWELL, MA 01851 | HARVARD PILGRIM HEALTH CARE | $344 | — | $344 | 2.47% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 201 | $1.1M |
| Dental(2 contracts, 2 carriers) | DENTAL SERVICE OF MASSACHUSETTS DBA DELTA DENTAL OF MA | 207 | $94K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $112K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $112K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.