| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 401 NORWALK, CT 068541713 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $100K | — | $100K | 1.80% |
| STEVEN RODGERS3 | 1663 SIMPSON HIGHWAY 49 MAGEE, MS 39111 | BLUE CROSS BLUE SHIELD OF MISSISSIPPI | $54K | — | $54K | 4.50% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $81K | — | $81K | 18.20% |
| CRYSTAL HOLMES3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | — | $25 | $25 | 0.01% |
| INSURANCE CONSULTING GROUP INC3 | 4735 SPOTTSWOOD AVE SUITE 204 MEMPHIS, TN 381174821 | PRINCIPAL LIFE INSURANCE COMPANY | $34K | $8K | $42K | 15.85% |
| INSURANCE CONSULTING GROUP INC3 | 4735 SPOTTSWOOD AVE SUITE 204 MEMPHIS, TN 381174821 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 12.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NEW DIRECTIONS BEHAVIROAL HEALTH EIN 43-1698690 EAP VENDOR | Claims processing Service code 12 | — | $11K |
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 | 575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 416 | $6.8M |
| Dental(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 416 | $7.1M |
| Vision(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 416 | $7.1M |
| Life insurance(3 contracts, 2 carriers) | USABLE LIFE | 575 | $754K |
| Short-term disability(3 contracts, 2 carriers) | USABLE LIFE | 575 | $754K |
| Long-term disability(3 contracts, 2 carriers) | USABLE LIFE | 575 | $754K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 575 | $754K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.