| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $237K | $77K | $315K | 2.03% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | DELTA DENTAL OF NJ, INC | $40K | — | $40K | 4.81% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 8.38% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.42% |
| MARK C LAMAR3 | 1006 APPLE BLOSSON DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $894 | — | $894 | 0.65% |
| DALE I DAVIS3 | 333 E SHORT ST SUITE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $483 | — | $483 | 0.35% |
| LISA ENERSON3 Filed as: LISA M ENERSON | 411 GROVE STREET HUDSON, MA 49247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.04% |
| THOMAS KINNEY3 Filed as: THOMAS S KINNEY | 8 RIVERSIDE DRIVE SALEM, NH 03079 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.02% |
| JONATHAN BURGESS3 Filed as: JONATHAN E BURGESS | 31 NATHAN CUTLER DRIVE BEDFORD, NH 03110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| CONNIE RUPERT3 | 518 N EVANS ST TECUMSEH, MI 49286 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $934 | — | $934 | 24.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH EQUITY PROVIDER | Contract Administrator Service code 13 | 15 W. SCENIC POINTE DRIVE, STE. 100 DRAPER, UT 84020 | $10K |
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 | 1,205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 2,491 | $15.5M |
| Dental | DELTA DENTAL OF NJ, INC | 2,386 | $833K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 2,491 | $15.5M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 333 | $138K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,205 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,491 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.