| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | AETNA LIFE INSURANCE COMPANY | $170K | — | $170K | 4.86% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | ONE NEW ENGLAND EXECUTIVE PARK SUITE 204 BURLINGTON, MA 01803 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $6K | — | $6K | 4.87% |
| STRAGEGIC BENEFIT SOLUTIONS, INC.3 | 100 DISTRICT AVENUE SUITE 204 BURLINGTON, MA 01803 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.67% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 100 DISTRICT AVENUE SUITE 204 BURLINGTON, MA 01803 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $3K | — | $3K | 3.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 6.80% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, LA 70009 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $94 | $1K | 4.37% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | PO BOX 1023 BURLINGTON, MA 01803 | VISION SERVICE PLAN | $1K | — | $1K | 5.49% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 18.02% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 216 | $3.6M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 112 | $86K |
| Vision | VISION SERVICE PLAN | 157 | $20K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 260 | $127K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 71 | $33K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 260 | $127K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 216 | $3.6M |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 266 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.