| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT GROUP, INC.3 Filed as: INNOVATIVE BENEFIT ADVISORS, LLC | 340 COURT STREET, UNIT 9 PLYMOUTH, MA 02360 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | $0 | $56K | 3.71% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 240 MAIN STREET FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $185 | $0 | $185 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 240 MAIN STREET, SUITE A FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $52 | $0 | $52 | 0.00% |
| INNOVATIVE BENEFIT GROUP, INC.3 Filed as: INNOVATIVE BENEFIT ADVISORS, LLC | 340 COURT STREET PLYMOUTH, MA 02360 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $312 | $1K | 9.49% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 464 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 464 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 464 | $1.5M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 191 | $16K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 464 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.