| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $59K | $26K | $85K | 3.18% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS, INC. | $17K | — | $17K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON BOSTON, MA 02199 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $14K | 8.42% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS, INC. | $5K | — | $5K | 3.03% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE RD STE 500 CLEVELAND, OH 44131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 8.37% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.11% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.76% |
| MICHAEL HAND3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | UNITED CONCORDIA INSURANCE COMPANY | $9K | — | $9K | 9.47% |
| MICHAEL HAND3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | $6K | — | $6K | 7.47% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $18K | 21.25% |
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | USABLE LIFE | $10K | — | $10K | 12.93% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, SUITE 500 CLEVELAND, OH 44131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 8.42% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.39% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $556 | $556 | 0.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, OH 303395946 | VISION SERVICE PLAN | $3K | — | $3K | 4.88% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 441316827 | VISION SERVICE PLAN | $2K | — | $2K | 4.37% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $277 | — | $277 | 0.50% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $556 | $4K | 11.55% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $636 | $636 | 1.78% |
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | USABLE LIFE | $4K | — | $4K | 12.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - BOSTON | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.91% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTH | ONE LIBERTY PLAZA, 165 BROADWAY STE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | USABLE LIFE | $2K | — | $2K | 16.11% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | — | $1K | 7.19% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| MICHAEL HAND5 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | USABLE LIFE | $413 | — | $413 | 16.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - BOSTON | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $25 | — | $25 | 10.04% |
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 | 927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 522 | $3.4M |
| Dental(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $291K |
| Vision(5 contracts, 3 carriers) | VISION SERVICE PLAN | 419 | $90K |
| Life insurance(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 512 | $491K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $164K |
| Long-term disability(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 516 | $358K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 49 | $92K |
| Other(7 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 927 | $520K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.