| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL RESOURCES GRP | 30 SOUTHWEST PARK WESTWOOD, MA 020900000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $33K | $33K | 2.68% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $17K | $17K | 1.35% |
| TELAMON HUMAN CAPITAL RESOURCES3 | 150 WELLS AVENUE NEWTON, MA 02459 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $3K | — | $3K | 2.49% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $2K | — | $2K | 1.64% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL | 30 SOUTHWEST PARK WESTWOOD, MA 02090 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 13.29% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE SUITE 1300 BOSTON, MA 021997611 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 6.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SE STE 1950 ATLANTA, GA 30339 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.34% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 99 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 180 | $104K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 99 | $1.2M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 149 | $82K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 149 | $82K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 149 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.