| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOLID BENEFITS GROUP LLC3 | TWO SHAKER ROAD, STE B220 SHIRLEY, MA 01464 | FALLON HEALTH | $34K | $0 | $34K | 3.72% |
| SOLID BENEFITS GROUP LLC3 | TWO SHAKER ROAD, STE B220 SHIRLEY, MA 01464 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $3K | $0 | $3K | 3.23% |
| SOLID BENEFITS GROUP LLC3 | TWO SHAKER ROAD, STE B220 SHIRLEY, MA 01464 | UNION SECURITY INSURANCE COMPANY | $4K | $0 | $4K | 11.03% |
| SOLID BENEFITS GROUP LLC3 | TWO SHAKER ROAD, STE B220 SHIRLEY, MA 01464 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 9.00% |
| SOLID BENEFITS GROUP LLC3 | TWO SHAKER ROAD, STE B220 SHIRLEY, MA 01464 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 7.77% |
| SOLID BENEFITS GROUP LLC3 | TWO SHAKER ROAD, STE B220 SHIRLEY, MA 01464 | UNION SECURITY INSURANCE COMPANY | $535 | $0 | $535 | 3.19% |
| SOLID BENEFITS GROUP LLC3 | TWO SHAKER ROAD, STE B220 SHIRLEY, MA 01464 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 14.49% |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FALLON HEALTH | 195 | $1.0M |
| Vision | UNION SECURITY INSURANCE COMPANY | 60 | $17K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 116 | $46K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 109 | $36K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 109 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.