| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $13K | — | $13K | 3.50% |
| ACCESS ENROLL3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $1K | $18K | 16.77% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMINISRATORS | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 10.32% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEECHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $23 | $23 | 0.02% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 8.69% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $15K | $7K | $23K | 29.98% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 9.66% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $826 | $7K | 15.60% |
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 | 712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 679 | $75K |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 712 | $364K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 712 | $364K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 317 | $200K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 317 | $198K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $93K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 679 | $75K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.