| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST, PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $7K | $20K | $27K | 1.42% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BOSTONIAN GROUP INS. AGENCY | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.19% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE AGENCY | PO BOX 1388 BANGOR, ME 04402 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.14% |
| CROSS INSURANCE3 | 401 EDGEWATER DRIVE, SUITE 220 WAKEFIELD, MA 01880 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 8.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 5.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, SUITE 800 WORCCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF THE FEDELITY SECURITY LIFE INS. CO. | $3K | $0 | $3K | 6.50% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE WAKEFIELD, MA 01880 | EYEMED VISION CARE ON BEHALF OF THE FEDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 4.15% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC | 643 | $4.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 643 | $1.9M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FEDELITY SECURITY LIFE INS. CO. | 551 | $41K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 477 | $191K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 477 | $191K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 477 | $191K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC | 643 | $4.7M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 643 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 643 | — |
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."
No prospect flags tripped on this filing.