| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSMED INS AGENCY INC3 Filed as: INSMED INSURANCE AGENCY | 111 BROOK STREET FLOOR 3 SCARSDALE, NY 10583 | STANDARD INSURANCE COMPANY | $82K | $22K | $104K | 5.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 99 HIGH STREET BOSTON, MA 02110 | SYMETRA LIFE INSURANCE COMPANY | $114K | $21K | $135K | 9.49% |
| INSMED INS AGENCY INC Filed as: INSMED INSURANCE AGENCY | 111 BROOK STREET FLOOR 3 SCARSDALE, NY 10583 | STANDARD INSURANCE COMPANY | $40K | $9K | $48K | 5.58% |
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 | 1,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 2,244 | $516K |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 2,460 | $0 |
| Life insurance(4 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,614 | $2.2M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,248 | $863K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,248 | $1.8M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,049 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,460 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.