| 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 | $320K | $124K | $444K | 2.12% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | DELTA DENTAL OF NJ, INC | $60K | — | $60K | 4.71% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 700 W HILLSBORO BLVD SUITE 2-102 DEERFIELD BEACH, FL 33441 | HARTFORD LIFE AND ACCIDENT | $15K | $5K | $21K | 19.78% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 9.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $720 | — | $720 | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH EQUITY PROVIDER | Contract Administrator Service code 13 | 15 W. SCENIC POINTE DRIVE, STE. 100 DRAPER, UT 84020 | $8K |
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 | 1,741 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 3,343 | $20.9M |
| Dental | DELTA DENTAL OF NJ, INC | 3,250 | $1.3M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 3,343 | $20.9M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,741 | $109K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,741 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,343 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.