| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | OXFORD HEALTH INSURANCE INC. | $134K | — | $134K | 3.87% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | THE GUARDIAN LIFE INS COMPANY | $25K | $6K | $31K | 12.70% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | EYE MED | $1K | — | $1K | 9.37% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | DELTA DENTAL | $1K | — | $1K | 10.00% |
| PEAK 1 ADMINISTRATION LLC3 Filed as: PEAK 1 ADMINISTRATION | 608 NORTHWEST BLVD SUITE 200 COEUR DALENE, ID 83814 | DELTA DENTAL | $206 | — | $206 | 2.00% |
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 | 447 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE INC. | 346 | $3.9M |
| Dental(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ALABAMA | 447 | $675K |
| Vision | EYE MED | 276 | $11K |
| Life insurance | THE GUARDIAN LIFE INS COMPANY | 447 | $243K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INS COMPANY | 447 | $261K |
| Prescription drug | BLUECROSS BLUESHIELD OF ALABAMA | 160 | $422K |
| Other | THE GUARDIAN LIFE INS COMPANY | 447 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.