| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | HEALTH NEW ENGLAND, INC, | $37K | $0 | $37K | 2.58% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 013730346 | AMERITAS LIFE INSURANCE CORP | $3K | $0 | $3K | 4.01% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.01% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $643 | $0 | $643 | 19.99% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | ALTUS DENTAL INSURANCE COMPANY, INC. | $319 | $0 | $319 | 10.01% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $606 | $0 | $606 | 20.00% |
| RAMON FINANCIAL SERVICES LLC3 | PO BOX 346 SOUTH DEERFIELD, MA 01373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $465 | $0 | $465 | 19.99% |
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. |
| 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC, | 116 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP | 226 | $71K |
| Vision | ALTUS DENTAL INSURANCE COMPANY, INC. | 67 | $3K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $8K |
| Prescription drug | HEALTH NEW ENGLAND, INC, | 116 | $1.4M |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.