| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | BAYSHORE HIGHWAY STE 218 BURLINGAME, CA 94010 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $101K | — | $101K | 1.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 8570 MAGELLAN PARKWAY STE 1100 RICHMOND, VA 23227 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | — | $20K | $20K | 0.31% |
| FERRUGGIO INSURANCE SERVICES OF LA3 | 100 CORPORATE POINTE STE 210 CULVER CITY, CA 90230 | BLUE CROSS BLUE SHIELD OF FLORIDA | $68K | — | $68K | 4.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $38K | $5K | $43K | 3.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 133 FEDERAL ST BOSTON, MA 02110 | SYMETRA LIFE INSURANCE COMPANY | $101K | $11K | $112K | 16.65% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FL WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $34K | — | $34K | 5.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS, INC. | $11K | — | $11K | 2.59% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS, INC. | $5K | — | $5K | 3.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 282115588 | HUMANA INSURANCE COMPANY | — | $5K | $5K | 2.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | PO BOX 13743 NEWARK, NJ 07188 | RELIASTAR LIFE INSURANCE COMPANY | $16K | — | $16K | 14.55% |
| MICHEAL HAND5 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | DELTA DENTAL INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| FERRUGGIO INSURANCE SERVICES OF LA3 Filed as: FERRUGGIO INSURANCE | 100 CORPORATE POINTE STE 210 CULVER CITY, CA 902308754 | USABLE LIFE | $6K | — | $6K | 9.51% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $5K | — | $5K | 8.58% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $472 | $13K | 22.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | PO BOX 415161 BOSTON, MA 02241 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $5K | — | $5K | 10.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | P.O. BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | UNITED OF OMAHA 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 | — | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| FERRUGGIO INSURANCE SERVICES OF LA3 | 100 CORPORATE POINTE STE 210 CULVER CITY, CA 902308754 | USABLE LIFE | $2K | — | $2K | 9.92% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | — | $2K | 8.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $880 | — | $880 | 6.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - BOSTON | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE, LLC | $1K | — | $1K | 10.90% |
| MICHAEL HAND5 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $941 | — | $941 | 10.00% |
| ROBERT SEMROW AGENCY5 | 2602 E. HILLCREST AVENUE ORANGE, CA 92867 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $753 | — | $753 | 8.00% |
| FERRUGGIO INSURANCE SERVICES OF LA3 | 100 CORPORATE POINTE, STE 210 CULVER CITY, CA 902308754 | USABLE LIFE | $815 | — | $815 | 9.87% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $709 | — | $709 | 8.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 282115588 | HUMANA INSURANCE COMPANY | — | $200 | $200 | 2.64% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 21.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 19.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 19.99% |
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 | 1,329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 145 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 156 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 1,210 | $10.0M |
| Dental(5 contracts, 5 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 1,210 | $7.1M |
| Vision(6 contracts, 6 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 1,210 | $7.0M |
| Life insurance(6 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 739 | $947K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $29K |
| Long-term disability(5 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 739 | $833K |
| Prescription drug(7 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 208 | $3.0M |
| Other(12 contracts, 8 carriers) | SYMETRA LIFE INSURANCE COMPANY | 739 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,210 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.