| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE, LLC | — | WESTPORT INSURANCE CORPORATION | $103K | — | $103K | 25.64% |
| ALLIED BENEFIT SYSTEMS, LLC3 Filed as: ALLIED BENEFIT SYSTEMS | — | WESTPORT INSURANCE CORPORATION | $61K | — | $61K | 15.11% |
| CIGNA3 | — | WESTPORT INSURANCE CORPORATION | $26K | — | $26K | 6.46% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $8K | $20K | 10.54% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE AGENCY INC | 875 AVENUE OF THE AMERICAS SUITE 1801 NEW YORK, NY 10001 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $977 | $13K | 12.53% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE AGENCY INC | 875 AVENUE OF THE AMERICAS SUITE 1801 NEW YORK, NY 10001 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $156 | $2K | 10.83% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE AGENCY INC | 875 AVENUE OF THE AMERICAS SUITE 1801 NEW YORK, NY 10001 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $336 | $3K | 17.57% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE AGENCY INC | 875 AVENUE OF THE AMERICAS SUITE 1801 NEW YORK, NY 10001 | FIRST UNUM LIFE INSURANCE COMPANY | $51 | $6 | $57 | 17.33% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $193K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $193K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 196 | $128K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 196 | $107K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 196 | $107K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 148 | $400K |
| Other(4 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 196 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.