| 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 | $387K | — | $387K | 4.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $13K | — | $13K | 2.86% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | HARVARD PILGRIM HEALTH CARE | $74 | — | $74 | 0.02% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | ANTHEM HEALTH PLANS, INC. | $11K | $1K | $12K | 3.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | — | $54K | 14.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $10K | — | $10K | 2.88% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | HARVARD PILGRIM HEALTH CARE | $57 | — | $57 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 800 BOYLSTON ST, STE 600 BOSTON, MA 02199 | DELTA DENTAL OF OHIO | $9K | $20K | $29K | 13.26% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | ANTHEM HEALTH PLANS, INC. | $5K | — | $5K | 2.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 282115588 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 1.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 8.31% |
| HAND, MICHAEL3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | PO BOX 13743 NEWARK, NJ 07188 | RELIASTAR LIFE INSURANCE COMPANY | $15K | — | $15K | 14.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 8.26% |
| BXA INSURANCE SERVICES3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.66% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $602 | $602 | 0.89% |
| 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 | $6K | 10.39% |
| HP PLANNING LLC3 | 1100 SUMMER STREET 2ND FLOOR STAMFORD, CT 06905 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $743 | $12K | 23.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | P.O. BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| 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 | — | $3K | 8.32% |
| BXA INSURANCE SERVICES3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $517 | — | $517 | 1.68% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $287 | $287 | 0.93% |
| 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 | — | $2K | 8.33% |
| BXA INSURANCE SERVICES3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $441 | — | $441 | 1.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $314 | $314 | 1.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 282115588 | HUMANA INSURANCE COMPANY | $350 | — | $350 | 2.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $634 | — | $634 | 6.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - BOSTON | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE, LLC | $972 | — | $972 | 10.17% |
| HP PLANNING LLC3 | 1100 SUMMER STREET 2ND FLOOR STAMFORD, CT 06905 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 21.42% |
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 | 1,488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 150 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 127 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,470 | $11.2M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,470 | $9.8M |
| Vision(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,470 | $9.6M |
| Life insurance(6 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 758 | $639K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $22K |
| Long-term disability(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 725 | $263K |
| Prescription drug(9 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,470 | $10.7M |
| Other(12 contracts, 8 carriers) | ANTHEM HEALTH PLANS, INC. | 758 | $704K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,470 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.