| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET 2ND FLOOR STAMFORD, CT 06905 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $76K | — | $76K | 1.33% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $17K | — | $17K | 0.30% |
| DYLAN SANFORD3 | 1663 HWY. 49 PO BOX 1070 MAGEE, MS 39111 | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $51K | — | $51K | 4.24% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $55K | — | $55K | 19.30% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP, INC | 4735 SPOTTSWOOD AVE, STE 204 MEMPHIS, TN 38117 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $748 | $22K | 8.56% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 4.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LONDON HEALTH ADMINISTRATORS EIN 26-1119049 FSA ADMIN | Contract Administrator; Claims processing Service code 12 | — | $6K |
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 | 531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 561 | 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, INC. | 402 | $6.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 402 | $6.0M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 402 | $6.0M |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 531 | $541K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 531 | $541K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 531 | $541K |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 531 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.