| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIAI INC3 Filed as: FIAI, INC. | P.O. BOX 1388 BANGOR, ME 04402 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | $10K | — | $10K | 2.87% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 6.99% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | VISION SERVICE PLAN | $2K | — | $2K | 4.46% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | 657 | $346K |
| Vision | VISION SERVICE PLAN | 253 | $34K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $246K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $246K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $246K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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.