| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP HEALY3 | C/O D AND S HOLDING 4 MAIN STREET PETERBOROUGH, NH 03458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $15K | $15K | 1.13% |
| PHILIP HEALY3 | C/O D AND S HOLDING 4 MAIN STREET PETERSBOROUGH, NH 03458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $11K | $11K | 1.13% |
| PHILIP HEALY3 | C/O D AND S HOLDING 4 MAIN STREET PETERBOROUGH, NH 03458 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 1.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS EIN 75-1857307 NONE | Contract Administrator Service code 13 | — | $181K |
| HEATHSMART CARE MANAGMENT SOLUTIONS EIN 75-1857307 NONE | Contract Administrator Service code 13 | — | $76K |
| MEDCOST LLC EIN 56-1999192 NONE | Contract Administrator Service code 13 | — | $52K |
| HEALTHSMART PREFERRED EIN 06-1621470 NONE | Contract Administrator Service code 13 | — | $16K |
| MULTIPLAN, INC. EIN 13-3068979 NONE | Contract Administrator Service code 13 | — | $12K |
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 | 2,111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 1,692 | $83K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,026 | $973K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 577 | $138K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,002 | $1.4M |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,124 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,026 | — |
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."
No prospect flags tripped on this filing.