| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $48K | $77K | $125K | 3.17% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $70K | $59K | $129K | 3.39% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $21K | $33K | $54K | 3.17% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $13K | $10K | $23K | 5.43% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $468 | $745 | $1K | 3.16% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | MINNESOTA LIFE INSURANCE COMPANY | $294 | $458 | $752 | 3.13% |
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 | 7,907 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(5 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 8,266 | $6.2M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,700 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,266 | — |
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.