| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | HARVARD PILGRIM HEALTH CARE | $119K | — | $119K | 2.00% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 1.98% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $6K | $36K | 11.88% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02127 | VISION SERVICE PLAN | $1K | — | $1K | 4.22% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET, SUITE 310 BOSTON, MA 02109 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $25 | $25 | 2.23% |
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 | 495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 1,152 | $6.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 426 | $370K |
| Vision | VISION SERVICE PLAN | 428 | $34K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 495 | $301K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 30 | $1K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 495 | $301K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 495 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,152 | — |
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.