| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC Filed as: CAMBRIDGE LIFE BROKERAGE | 875 6TH AVE SUITE 801 NEW YORK, NY 10001 | WESTPORT INSURANCE CORPORATION | $21K | — | $21K | 3.77% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | WESTPORT INSURANCE CORPORATION | $8K | — | $8K | 1.49% |
| CAMBRIDGE LIFE BROKERAGE LLC | 875 AVENUE OF THE AMERICAS ROOM 1801 NEW YORK, NY 10001 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 8.13% |
| PROFESSIONAL PENSIONS INC | 10 RESEARCH PARKWAY STE 200 WALLINGFORD, CT 06492 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 5.09% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE CO. | 348 | $25K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 269 | $564K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.