| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN SNYDER3 | 30 SOUTHWEST PARK WESTWOOD, MA 02090 | CIGNA HEALTH AND LIFE INSURANCE | — | $30K | $30K | 2.50% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL RESOURCES GRO | 30 SOUTHWEST PARK WESTWOOD, MA 02090 | CIGNA HEALTH AND LIFE INSURANCE | — | $11K | $11K | 0.93% |
| JOHN SNYDER3 | 30 SOUTHWEST PARK WESTWOOD, MA 02090 | CIGNA HEALTH AND LIFE INSURANCE | $2K | — | $2K | 0.21% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL RESOURCES GRO | 30 SOUTHWEST PARK WESTWOOD, MA 02090 | CIGNA HEALTH AND LIFE INSURANCE | $1K | — | $1K | 0.11% |
| JOHN D SNYDER3 | 40 COLLEGE RD WELLESLEY, MA 02482 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 10.06% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL | RESOURCES GROUP LLC 30 SOUTHWEST PARK WESTWOOD, MA 02090 | VISION SERVICE PLAN | $728 | — | $728 | 136.84% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 89 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE | 89 | $1.2M |
| Vision(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 89 | $1.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $69K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $69K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $69K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.