| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $35K | — | $35K | 2.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | $1K | $4K | 0.34% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | — | $5K | 3.94% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC. | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $195 | — | $195 | 0.17% |
| KENNETH A. SMITH3 | 264 WING ROAD BETHLEHEM, NH 03574 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 5.10% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE, STE. 301 CONCORD, NH 03302 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 2.55% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 234 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 266 | $116K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 95 | $12K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 123 | $64K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 123 | $64K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 123 | $64K |
| Other | COMPANION LIFE INSURANCE COMPANY | 123 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.