| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $83 | $83 | 0.03% |
| CONCEPTS GROUP LLC3 | 98 CONNECTICUT BOULEVARD EAST HARDFORD, CT 06108 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $433 | $0 | $433 | 7.68% |
| OVATION BENEFITS GROUP LLC3 | 5 BETTERSON PARK ROAD, SUITE 1 FARMINGTON, CT 06032 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.39% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINAICIAL SOLUTIONS, INC | 155 NORTH WACKER DRIVE, SUITE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.30% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $325K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $325K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $325K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $325K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.