| 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 | $163K | $10 | $163K | 5.49% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC. | UNKNOWN NEW YORK, NY 10013 | AETNA LIFE INSURANCE COMPANY | $0 | $463 | $463 | 0.02% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 100 DISTRICT AVENUE, SUITE 204 BURLINGTON, MA 01803 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $5K | $0 | $5K | 3.06% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $7K | $0 | $7K | 5.08% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 100 DISTRICT AVENUE, SUITE 204 BURLINGTON, MA 01803 | OXFORD HEALTH PLANS NY, INC. | $3K | $0 | $3K | 2.78% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | FIRST UNUM LIFE INSURANCE COMPANY | $915 | $0 | $915 | 4.07% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, LA 70009 | FIRST UNUM LIFE INSURANCE COMPANY | $323 | $0 | $323 | 1.44% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | PO BOX 1023 BURLINGTON, MA 01803 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.46% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 4.98% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 351 | $3.1M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 150 | $137K |
| Vision | VISION SERVICE PLAN | 123 | $21K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 252 | $160K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 80 | $23K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 252 | $160K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 351 | $3.1M |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 252 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.