| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | UNITED HEALTH CARE | $69K | $19K | $88K | 3.56% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC | 400 WASHINTON ST SUITE 400 BRAINTREE, MA 02184 | PRUDENTIAL | $17K | — | $17K | 27.76% |
| ARCHON LLC3 Filed as: ARCHON, LLC AND PROFESSIONAL GROUP | 225 WIRELESS BOULEVARD HAPPAUGE, NY 11788 | PRUDENTIAL | — | $8K | $8K | 12.96% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | PRUDENTIAL | $17K | — | $17K | 32.45% |
| ARCHON LLC3 Filed as: ARCHON, LLC AND PROFESSIONAL GROUP | 225 WIRELESS BOULEVARD HAPPAUGE, NY 11788 | PRUDENTIAL | — | $8K | $8K | 15.16% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | PRUDENTIAL | $17K | — | $17K | 35.61% |
| ARCHON LLC3 Filed as: ARCHON, LLC AND PROFESSIONAL GROUP | 225 WIRELESS BOULEVARD HAPPAUGE, NY 11788 | PRUDENTIAL | — | $8K | $8K | 16.63% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | PRUDENTIAL | $17K | — | $17K | 73.92% |
| ARCHON LLC3 Filed as: ARCHON, LLC PROFESSIONAL GROUP PLAN | 225 WIRELESS BOULEVARD HAPPAUGE, NY 11788 | PRUDENTIAL | — | $8K | $8K | 34.52% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | PRUDENTIAL | $17K | — | $17K | 76.81% |
| ARCHON LLC3 Filed as: ARCHON, LLC AND PROFESSIONAL GROUP | 225 WIRELESS BOULEVARD HAPPAUGE, NY 11788 | PRUDENTIAL | — | $8K | $8K | 35.88% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | PRUDENTIAL | $17K | — | $17K | 78.79% |
| ARCHON LLC3 Filed as: ARCHON, LLC AND PROFESSIONAL GROUP | 225 WIRELESS BOULEVARD HAPPAUGE, NY 11788 | PRUDENTIAL | — | $8K | $8K | 36.80% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | PRUDENTIAL | $17K | — | $17K | 301.45% |
| ARCHON LLC3 Filed as: ARCHON, LLC AND PROFESSIONAL GROUP | 225 WIRELESS BOULEVARD HAPPAUGE, NY 11788 | PRUDENTIAL | — | $8K | $8K | 140.79% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | PRUDENTIAL | $17K | — | $17K | 358.57% |
| ARCHON LLC3 Filed as: ARCHON, LLC AND PROFESSIONAL GROUP | 225 WIRELESS BOULEVARD HAPPAUGE, NY 11788 | PRUDENTIAL | — | $8K | $8K | 167.47% |
| BAYSTATE BENEFIT SERVICES3 Filed as: BAYSTATE BENEFIT SERVICES, INC | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | PRUDENTIAL | $17K | — | $17K | 598.82% |
| ARCHON LLC3 Filed as: ARCHON, LLC AND PROFESSIONAL GROUP | 225 WIRELESS BOULEVARD HAPPAUGE, NY 11788 | PRUDENTIAL | — | $8K | $8K | 279.67% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | PRUDENTIAL | $17K | — | $17K | 5135.52% |
| ARCHON LLC3 Filed as: ARCHON, LLC AND PROFESSIONAL GROUP | 225 WIRELESS BOULEVARD HAPPAUGE, NY 11788 | PRUDENTIAL | — | $8K | $8K | 2398.51% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 170 | $2.5M |
| Dental | UNITED HEALTH CARE | 170 | $2.5M |
| Vision | UNITED HEALTH CARE | 170 | $2.5M |
| Life insurance | PRUDENTIAL | 273 | $23K |
| Short-term disability | PRUDENTIAL | 74 | $22K |
| Long-term disability | PRUDENTIAL | 273 | $48K |
| Other(7 contracts) | PRUDENTIAL | 273 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.