| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $223K | — | $223K | 3.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52K | $3K | $55K | 15.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES (KANSAS CITY) | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 1.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 1.87% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | HARVARD PILGRIM HEALTH CARE | $15 | — | $15 | 0.00% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | ANTHEM HEALTH PLANS, INC. | $12K | $2K | $13K | 4.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (KANSAS CITY) | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 1.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 1.87% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | HARVARD PILGRIM HEALTH CARE | $14 | — | $14 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 3 COPLEY PLACE BOSTON, MA 02116 | DELTA DENTAL OF OHIO | $8K | — | $8K | 3.39% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | ANTHEM HEALTH PLANS, INC. | $6K | — | $6K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | SUITE 315 1901 ROXBOROUGH RD CHARLOTTE, NC 282115588 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | — | $1K | $1K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | PO BOX 13743 NEWARK, NJ 07188 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 13.96% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $979 | $15K | 16.02% |
| HP PLANNING LLC3 | 1100 SUMMER STREET 2ND FLOOR STAMFORD, CT 06905 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $774 | $13K | 19.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 13.10% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $622 | $622 | 1.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | THREE COLEY PLACE, SUITE 300 BOSTON, MA 02116 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $1K | $5K | 11.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | SUITE 315 1901 ROXBOROUGH RD CHARLOTTE, NC 282115588 | HUMANA INSURANCE COMPANY | — | $500 | $500 | 1.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | P.O. BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $3K | — | $3K | 9.91% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $723 | $3K | 12.88% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $301 | $301 | 1.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 7 G GATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $100 | $2K | 8.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $718 | $3K | 13.13% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $299 | $299 | 1.30% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $212 | $3K | 16.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 7 G GATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $75 | $2K | 11.02% |
| LIFETIME BENEFITS INSURANCE LLP3 Filed as: LIFETIME BENEFITS GROUP INC. | 689 UNION ST. MANCHESTER, NH 03105 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $2K | — | $2K | 10.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | SUITE 315 1901 ROXBOROUGH RD CHARLOTTE, NC 282115588 | HUMANA INSURANCE COMPANY | — | $150 | $150 | 1.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $549 | — | $549 | 6.60% |
| HP PLANNING LLC3 | 1100 SUMMER STREET 2ND FLOOR STAMFORD, CT 06905 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 18.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - BOSTON | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE, LLC | $432 | — | $432 | 8.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | SUITE 315 1901 ROXBOROUGH RD CHARLOTTE, NC 282115588 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | — | $450 | $450 | 11.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 7 G GATTERSON PARK ROAD SUITE 3 FARMINGTOM, CT 06032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15 | — | $15 | 11.19% |
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 | 1,520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 118 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 9 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,636 | $8.5M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,636 | $7.6M |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,636 | $7.3M |
| Life insurance(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 849 | $610K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $35K |
| Long-term disability(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 602 | $234K |
| Prescription drug(10 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,636 | $8.2M |
| Other(14 contracts, 8 carriers) | ANTHEM HEALTH PLANS, INC. | 849 | $687K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,636 | — |
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.