| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | UNITEDHEALTHCARE INSURANCE COMPANY | $104K | $0 | $104K | 1.89% |
| LUMITY, INC.3 | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | UNITEDHEALTHCARE INSURANCE COMPANY | $70K | $0 | $70K | 1.27% |
| LUMITY, INC.3 | PO BOX 207733 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $24K | $41K | 5.45% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $148 | $17K | 2.20% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | UNITEDHEALTHCARE INSURANCE COMPANY | $507 | $0 | $507 | 0.76% |
| LUMITY, INC.3 | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 7.22% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | EYEMED | $1K | $0 | $1K | 2.43% |
| LUMITY, INC.3 | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | EYEMED | $1K | $0 | $1K | 2.02% |
| LUMITY, INC.3 | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 7.83% |
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 | 1,340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,010 | $5.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,937 | $753K |
| Vision | EYEMED | 1,442 | $60K |
| Life insurance(3 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,340 | $172K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,937 | $753K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,937 | $753K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,010 | $5.5M |
| Other(3 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,340 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,937 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.