| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL ROONEY3 Filed as: PAUL J ROONEY | ONE GATEWAY CTR SUITE 650 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $108K | $108K | 2.44% |
| PAUL ROONEY3 Filed as: PAUL J ROONEY | ONE GATEWAY CTR SUITE 650 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.94% |
| PAUL ROONEY3 Filed as: PAUL J ROONEY | 770 BOYLSTON ST APT 231 BOSTON, MA 02199 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 8.15% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 300 WASHINGTON ST STE 650 NEWTON, MA 02458 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.74% |
| PAUL ROONEY3 Filed as: PAUL J ROONEY | ONE GATEWAY CTR SUITE 650 NEWTON, MA 02458 | EYEMED VISION CARE | $2K | $0 | $2K | 10.00% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 426 | $4.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $184K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 454 | $4.4M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 679 | $171K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 679 | $171K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 679 | $171K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 679 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.