| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SERVICES, | 20 COMMERCE WAY STE 800 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $935 | $3K | 3.19% |
| FIDELITY HEALTH INSURANCE SERVICES Filed as: FIDELITY HEALTH INSURANCE SERVICES, | 20 COMMERCE WAY STE 800 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $298 | $3K | 2.80% |
| FIDELITY HEALTH INSURANCE SERVICES Filed as: FIDELITY HEALTH INSURANCE SERVICES, | 20 COMMERCE WAY STE 800 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $108 | $2K | 1.72% |
| FIDELITY HEALTH INSURANCE SERVICES Filed as: FIDELITY HEALTH INSURANCE SERVICES, | 20 COMMERCE WAY STE 800 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $151 | $1K | 1.24% |
| FIDELITY HEALTH INSURANCE SERVICES Filed as: FIDELITY HEALTH INSURANCE SERVICES, | 20 COMMERCE WAY STE 800 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $868 | $201 | $1K | 1.00% |
| FIDELITY HEALTH INSURANCE SERVICES Filed as: FIDELITY HEALTH INSURANCE SERVICES, | 20 COMMERCE WAY STE 800 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $137 | $18 | $155 | 0.14% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $107K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $107K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $107K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $107K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $107K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.