| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL RESOURCES GR, | 30 SOUTH WEST PARK WESTWOOD, MA 02090 | HPHC JOINT VENTURE UHC | $75K | — | $75K | 3.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HPHC JOINT VENTURE UHC | $194 | — | $194 | 0.01% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL RESOURCES GR, | 30 S WEST PARK WESTWOOD, MA 02090 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 6.61% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL RESOURCES GR, | 30 S WEST PARK WESTWOOD, MA 02090 | VISION SERVICE PLAN | $1K | — | $1K | 9.13% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL RESOURCES GR, | 30 S WEST PARK WESTWOOD, MA 02090 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.90% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL RESOURCES GR, | 30 S WEST PARK WESTWOOD, MA 02090 | METROPOLITAN LIFE INSURANCE COMPANY | $959 | — | $959 | 18.16% |
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 | 388 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC JOINT VENTURE UHC | 95 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $281K |
| Vision | VISION SERVICE PLAN | 116 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $281K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $281K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $281K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.