| 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 | $82K | — | $82K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $324 | $324 | 0.04% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEATH INSURANCE SERVICES | 200 SEAPORT BLVD BOSTON, MA 02210 | VISION SERVICE PLAN | $3K | — | $3K | 2.20% |
| FIDLEITY 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 | 14.34% |
| 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 | $1K | $4K | 11.99% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $849 | $5K | 24.50% |
| FIDELITY INVESTMENTS3 | 640 FIFTH AVENUE, 4TH FLOOR NEW YORK, NY 10019 | 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 844303 WOBURN, MA 01801 | METROPLITAN LIFE INSURANCE COMPANY | $1K | $639 | $2K | 12.42% |
| 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 | $566 | $3K | 16.14% |
| 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 | $458 | $2K | 17.34% |
| 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 | $446 | $2K | 20.37% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERECE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $357 | $2K | 22.00% |
| 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 | $255 | $1K | 22.12% |
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 | 1,285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $150K |
| Vision | VISION SERVICE PLAN | 984 | $153K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,705 | $822K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,705 | $822K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,705 | $841K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,705 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.