| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RT CONSULTING LLC3 Filed as: R T CONSULTING LLC | 4 MAIN ST PETERBOROUGH, NH 034582418 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $13K | $47K | 3.23% |
| PHILIP HEALY3 | 4 MAIN ST C/O RT CONSULTING PETERBOROUGH, NH 034582418 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | — | $34K | 2.33% |
| PHILIP RUGGIERI3 Filed as: PHILIP B HEALY C/O R.T. CONSULTING | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | — | $52K | 5.04% |
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 | 4,826 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC | 6,777 | $2.4M |
| Dental | DELTA DENTAL OF COLORADO | 7,261 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,470 | $1.4M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,706 | $1.0M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC | 6,777 | $2.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 6,470 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,261 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.