| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDELITY HEALTH INSURANCE SERVICES Filed as: FIDELITY HEALTH INSURANCE SERVICES, | 20 COMMERCE WAY STE 800 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $117 | $2K | 2.17% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SERVICES, | 20 COMMERCE WAY STE 800 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $233 | $2K | 2.06% |
| FIDELITY HEALTH INSURANCE SERVICES Filed as: FIDELITY HEALTH INSURANCE SERVICES, | 20 COMMERCE WAY STE 800 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $106 | $1K | 1.61% |
| FIDELITY HEALTH INSURANCE SERVICES Filed as: FIDELITY HEALTH INSURANCE SERVICES, | 20 COMMERCE WAY STE 800 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $889 | $66 | $955 | 1.11% |
| FIDELITY HEALTH INSURANCE SERVICES Filed as: FIDELITY HEALTH INSURANCE SERVICES, | 20 COMMERCE WAY STE 800 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $484 | $48 | $532 | 0.62% |
| FIDELITY HEALTH INSURANCE SERVICES Filed as: FIDELITY HEALTH INSURANCE SERVICES, | 20 COMMERCE WAY STE 800 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | $87 | $7 | $94 | 0.11% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $86K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $86K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $86K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $86K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $86K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.