| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | UNITEDHEALTHCARE INSURANCE COMPANY | $226K | — | $226K | 0.82% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 133 FEDERAL STREET BOSTON, MA 021101703 | UNITEDHEALTHCARE INSURANCE COMPANY | $171 | — | $171 | 0.00% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | DELTA DENTAL OF MASSACHUSETTS, INC. | $37K | — | $37K | 2.00% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET BOSTON, MA 02109 | AETNA LIFE INSURANCE CO. | $112K | — | $112K | 9.69% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02019 | VISION SERVICE PLAN | $6K | — | $6K | 1.51% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET BOSTON, MA 02109 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 10.09% |
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 | 2,668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,151 | $27.4M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. | 4,538 | $1.8M |
| Vision | VISION SERVICE PLAN | 2,050 | $374K |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,668 | $1.2M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 2,668 | $1.2M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 2,668 | $1.2M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 2,151 | $27.4M |
| Other | AETNA LIFE INSURANCE CO. | 2,668 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,538 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.