| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE INSURANCE PROVIDERS3 | 799 CAMBRIDGE ST CAMBRIDGE, MA 02141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 15.00% |
| COMPREHENSIVE INSURANCE PROVIDERS3 | 799 CAMBRIDGE STREET CAMBRIDGE, MA 02141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 8.50% |
| COMPHRENSIVE INSURANCE PROVIDERS3 | 799 CAMBRIDGE STREET CAMBRIDGE, MA 02141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 11.00% |
| COMPREHENSIVE INSURANCE PROVIDERS3 | 799 CAMBRIDGE STREET CAMBRIDGE, MA 02141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.50% |
| COMPREHENSIVE INSURANCE PROVIDERS3 | 799 CAMBRIDGE ST CAMBRIDGE, MA 02141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $423 | — | $423 | 15.02% |
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 | 605 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTHCARE OF CALIFORNIA | 17 | $113K |
| Dental | CIGNA HEALTHCARE AND LIFE INSURANCE COMPANY AND AFFILIATES- CIGNA | 969 | $884K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 791 | $115K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 605 | $163K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 605 | $102K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTHCARE AND LIFE INSURANCE COMPANY AND AFFILIATES- CIGNA | 969 | $884K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTHCARE AND LIFE INSURANCE COMPANY AND AFFILIATES- CIGNA | 969 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 969 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.