| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RT CONSULTING LLC3 Filed as: RT CONSULTING | 4 MAIN STREET PETERBOROUGH, NH 03458 | METROPOLITAN LIFE INSURANCE COMPANY | $135K | — | $135K | 9.03% |
| PHILIP HEALY3 | 4 MAIN STREET PETERBOROUGH, NH 03458 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | $1K | $57K | 4.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 INSURANCE COMPANY | Other services; Float revenue; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $4.5M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 INSURANCE COMPANY | Claims processing; Contract Administrator Service code 12 | — | $1.4M |
| LINCOLN LIFE INSURANCE COMPANY EIN 35-0472300 INSURANCE COMPANY | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $151K |
| PHILIP HEALY BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 4 MAIN STREET PETERBOROUGH, NH 03458 | $7K |
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 | 5,278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC | 7,618 | $2.4M |
| Dental | DELTA DENTAL OF COLORADO | 8,254 | $2.2M |
| Vision | ANTHEM INSURANCE COMPANIES, INC | 7,618 | $2.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,363 | $1.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,278 | $1.2M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC | 7,618 | $2.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 7,363 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,254 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.