| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | PO BOX 416672 BOSTON, MA 02241 | HARTFORD LIFE AND ACCIDENT | $300 | — | $300 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE CO EIN 06-6033492 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $158K |
| RENEE BOSSONE EIN 06-0711441 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $88K |
| WILLIS OF MASSACHUSETTS EIN 04-2792279 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $61K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $58K |
| WEBSTER FINANCIAL ADVISORS EIN 06-0273620 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $47K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| MASSUCCI & ASSOCIATES EIN 06-1462567 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
| ERMER LAW GROUP PLLC EIN 52-1280361 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 124 | $6K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 124 | $6K |
| Other | HARTFORD LIFE AND ACCIDENT | 124 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.