| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW ENGLAND | ONE FINANCIAL PLAZA 755 MAIN ST, 2ND FLOOR HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.35% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE INC. | ONE FINANCIAL PLAZA 2ND FL HARTFORD, CT 06103 | VISION SERVICE PLAN | $708 | — | $708 | 5.01% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $71 | — | $71 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIDELITY SECURITY LIFE EIN 43-1148362 ADMIN FEE | Contract Administrator; Claims processing Service code 12 | — | $304K |
| UMR INC. EIN 39-1995276 ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $64K |
| PEOPLES UNITED INSURANCE AGENCY EIN 27-5176829 ADMIN FEE | Claims processing; Contract Administrator Service code 12 | — | $62K |
| PEQUOT HEALTH CARE ADMIN FEES | Claims processing; Contract Administrator Service code 12 | 1 ANNIE GEORGE DRIVE MASHANTUCKET, CT 06338 | $59K |
| CHRIS SOLEAU AND ASSOCIATES ADMIN FEES | Claims processing; Contract Administrator Service code 12 | 5 AUSTIN DR MARLBOROUGH, CT 06447 | $50K |
| OPTUM EIN 41-1921983 ADMIN FEE | Contract Administrator; Claims processing Service code 12 | — | $15K |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 127 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $21K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.