| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP HEALY3 | 4 MAIN STREET PETERBOROUGH, NH 03458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $67K | $17K | $85K | 6.24% |
| PHILIP HEALY3 | 4 MAIN STREET PETERBOROUGH, NH 03458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $51K | $13K | $64K | 6.20% |
| PHILIP HEALY3 | 4 MAIN STREET PETERBOROUGH, NH 03458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | — | $7K | 4.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC EIN 35-0781558 INSURANCE COMAPNY | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $3.9M |
| PHILIP B HEALY BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 4 MAIN STREET PETERBOROUGH, NH 03458 | $0 |
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 | 5,474 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC (G2001) | 8,401 | $1.8M |
| Dental | DELTA DENTAL OF COLORADO | 8,577 | $2.2M |
| Vision | ANTHEM INSURANCE COMPANIES, INC (G2001) | 8,401 | $1.8M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,582 | $1.4M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,575 | $142K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,575 | $1.0M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC (G2001) | 8,401 | $1.8M |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,582 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,577 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.