| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL ST 4TH FL BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $56K | $84K | 3.24% |
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL ST 4TH FL BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $46K | $71K | 3.33% |
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL ST 4TH FL BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 15.00% |
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL ST 4TH FL BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 13.50% |
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $280 | — | $280 | 15.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 NONE | Contract Administrator Service code 13 | — | $2.0M |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Float revenue; Participant communication; Claims processing; Named fiduciary Service code 12 | — | $938K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator Service code 13 | — | $58K |
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 | 2,698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 132 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,830 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,775 | $2.7M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 546 | $2.2M |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,775 | $4.8M |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,775 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,775 | — |
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."
No prospect flags tripped on this filing.