| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $39K | $48K | 2.20% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN. LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.37% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 50 MILK STREET, FL 16 BOSTON, MA 02109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $493 | — | $493 | 0.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | EYEMED | $2K | — | $2K | 6.78% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | EYEMED | $768 | — | $768 | 2.28% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 50 MILK STREET, FL. 16 BOSTON, MA 02109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.74% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 50 MILK STREET FL. 16 BOSTON, MA 02109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.59% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $827 | — | $827 | 8.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 50 MILK STREET FL 16 BOSTON, MA 02109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $451 | — | $451 | 4.48% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $2.2M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 410 | $2.2M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $28K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $50K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $28K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.