| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE HR SOLUTIONS3 Filed as: PINNACLE INSURANCE AGENCY INC. | 144 TURNPIKE RD STE 110 SOUTHBOROUGH, MA 017722138 | KAISER PERMANENTE | $62K | — | $62K | 3.61% |
| TIMOTHY DOHERTY3 Filed as: TIMOTHY PATRICK DOHERTY | 52 MAYO AVENUE NEEDHAM, MA 02492 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $44K | $44K | 8.89% |
| PINNACLE BROKERS3 Filed as: PINNACLEL FINANCIAL GROUP | 144 TURNPIKE RD SOUTHBOROUGH, MA 017722121 | VSP | $2K | — | $2K | 5.18% |
| AMERICAS TPA, INC DBA HEALTHEZ | 7201 W 78TH STREET STE 100 BLOOMINGTON, MN 55439 | AMERICA'S TPA, INC DBA HEALTHEZ | — | $73K | $73K | — |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER PERMANENTE | 230 | $1.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $489K |
| Vision | VSP | 141 | $31K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $489K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $489K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $489K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $489K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.