| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INS SERVICES LLC | 200 SEAPORT BLVD, MZV6D BOSTON, MA 02210 | HARTFORD LIFE AND ACCIDENT | $115K | $4K | $119K | 10.16% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP LLC | 80 S 8TH STREET,STE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 0.18% |
| HAYS COMPANIES, INC.3 Filed as: HAYES GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | COMPCARE HEALTH SERVICES INS CORPORATION (G0423) | $2K | — | $2K | 0.17% |
| FMR LLC3 | 200 SEAPORT BLVD BOSTON, MA 02210 | VISION SERVICE PLAN | — | $3K | $3K | 2.15% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.80% |
| FIDLEITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $4K | 14.88% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 17.77% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE | 200 SEAPORT BLVD MAIL ZONE V2B BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $996 | $4K | 25.58% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 28.41% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPLITAN LIFE INSURANCE COMPANY | $1K | $793 | $2K | 15.15% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/ FMR LLC LOCKBOX 84403 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $694 | $3K | 25.68% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $589 | $2K | 22.27% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $589 | $2K | 22.19% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERECE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $792 | $3K | 28.44% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERECE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $479 | $2K | 25.90% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMEREC WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $337 | $1K | 23.49% |
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 | 1,141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 4 carriers) | COMPCARE HEALTH SERVICES INS CORPORATION (G0423) | 150 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,037 | $159K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,131 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,131 | $1.2M |
| Prescription drug(2 contracts, 2 carriers) | COMPCARE HEALTH SERVICES INS CORPORATION (G0423) | 70 | $1.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,302 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,302 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.