| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON, ROGERS LLC | 5110 N 40TH STREET PHOENIX, AZ 85018 | AETNA | $12K | — | $12K | — |
| ROGERS BENEFIT GROUP INC | 5110 N 40TH STREET PHOENIX, AZ 85018 | AETNA | $12K | — | $12K | — |
| INTERGRATED BENEFITS GROUP3 | 276 MAIN STREET STONEHAM, MA 02180 | AETNA | $753 | — | $753 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | GUARDIAN | $1.1M | — | $1.1M | — |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 179 | $0 |
| Dental | AETNA | 179 | $0 |
| Vision | GUARDIAN | 0 | $0 |
| Life insurance | GUARDIAN | 0 | $0 |
| Long-term disability | GUARDIAN | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.