| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLAN MARKETING INSURANCE AGENCY INC3 Filed as: PLAN MARKETING INS. AGENCY, INC. | 300 TRADE CENTER SUITE 2500 WOBURN, MA 01801 | TOKIO MARINE HCC - STOP LOSS GROUP | $74K | — | $74K | 15.00% |
| PLAN MARKETING INSURANCE AGENCY INC3 Filed as: PLAN MARKETING INS. AGENCY, INC. | 1500 WEST PARK DRIVE SUITE 330 WESTBOROUGH, MA 01581 | TOKIO MARINE HCC - STOP LOSS GROUP | — | $2K | $2K | 0.43% |
| BENEFIT REPORTS INS. SERVICES, INC.3 | 554 WASHINGTON STREET WELLESLEY, MA 02482 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 3.36% |
| BENEFIT REPORTS INS. SERVICES, INC.3 | 554 WASHINGTON STREET WELLESLEY, MA 02482 | VISION SERVICE PLAN | $2K | — | $2K | 2.73% |
| BENEFIT REPORTS INS. SERVICES, INC.3 | 554 WASHINGTON STREET WELLESLEY, MA 02482 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.51% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY ROAD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 25.00% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE HCC - STOP LOSS GROUP | 169 | $492K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 389 | $448K |
| Vision | VISION SERVICE PLAN | 169 | $89K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 389 | $448K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 389 | $448K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC - STOP LOSS GROUP | 169 | $492K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 389 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.