| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 144 GOULD ST SUITE 100 NEEDHAM, MA 02494 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $52K | $52K | 3.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $3K | $7K | 4.79% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $9K | — | $9K | 20.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $5K | — | $5K | 16.60% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $4K | — | $4K | 20.39% |
| EPIC3 Filed as: EPIC - ROBLIN INSURANCE | 144 GOULD STREET SUITE 100 NEEDHAM, MA 02494 | EYEMED VISION CARE | $837 | — | $837 | 8.32% |
| ROBLIN INSURANCE AGENCY3 | 144 GOULD ST NEEDHAM, MA 02494 | EYEMED VISION CARE | $137 | — | $137 | 1.36% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $139K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $1.3M |
| Life insurance | USABLE LIFE | 148 | $29K |
| Short-term disability | USABLE LIFE | 148 | $22K |
| Long-term disability | USABLE LIFE | 148 | $43K |
| Other | USABLE LIFE | 148 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.