| 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 | $142K | — | $142K | 1.76% |
| MICHEAL HAND3 Filed as: MICHEAL DENNIS HAND | 100 CORPORATE POINTE STE 210 CULVER CITY, CA 902308754 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $47K | $47K | 3.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $31K | — | $31K | 3.12% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 133 FEDERAL ST BOSTON, MA 02110 | SYMETRA LIFE INSURANCE COMPANY | $76K | $6K | $83K | 16.23% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FL WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $33K | — | $33K | 6.53% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | ANTHEM HEALTH PLANS, INC. | $12K | — | $12K | 2.68% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | ANTHEM HEALTH PLANS, INC. | $5K | — | $5K | 3.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 282115588 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 3.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | PO BOX 13743 NEWARK, NJ 07188 | RELIASTAR LIFE INSURANCE COMPANY | $15K | — | $15K | 14.57% |
| HAND, MICHAEL3 Filed as: HAND,MICHEAL,DENNIS | 100 CORPORATE POINTE STE 210 CULEVER CITY, CA 902308754 | AMERITAS LIFE INSURANCE CORP. | $9K | $421 | $9K | 10.49% |
| HAND, MICHAEL3 Filed as: HAND,MICHEAL,DENNIS | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 7.43% |
| BXA INSURANCE SERVICES3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.57% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $431 | $12K | 19.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | THREE COLEY PLACE, SUITE 300 BOSTON, MA 02116 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | $751 | $7K | 12.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | P.O. BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $4K | — | $4K | 9.30% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE #502 NORWALK, CT 06854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $481 | $3K | 11.76% |
| HAND, MICHAEL3 Filed as: HAND,MICHEAL,DENNIS | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 902308754 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.28% |
| BXA INSURANCE SERVICES3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $723 | — | $723 | 2.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $409 | $3K | 11.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $366 | $4K | 16.73% |
| HAND, MICHAEL3 Filed as: HAND,MICHEAL,DENNIS | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.16% |
| BXA INSURANCE SERVICES3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $558 | — | $558 | 2.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 282115588 | HUMANA INSURANCE COMPANY | $700 | — | $700 | 5.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - BOSTON | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE, LLC | $1K | — | $1K | 9.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $667 | — | $667 | 6.66% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 18.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 20.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $946 | — | $946 | 20.01% |
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 | 1,373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 150 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 143 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 9 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,370 | $11.4M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,370 | $8.2M |
| Vision(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,370 | $8.2M |
| Life insurance(6 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 832 | $801K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $23K |
| Long-term disability(5 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 832 | $673K |
| Prescription drug(9 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,370 | $10.9M |
| Other(12 contracts, 8 carriers) | SYMETRA LIFE INSURANCE COMPANY | 832 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,370 | — |
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.