| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP HEALY3 | 4 MAIN STREET PETERBOROUGH, NH 03458 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $7K | $7K | 0.45% |
| PHILIP HEALY3 | 4 MAIN STREET PETERBOROUGH, NH 03458 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 0.44% |
| DANIEL J WISTED3 | 3440 PRESTON RIDGE RD, STE 325 ALPHARETTA, GA 30005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $119K | $56K | $175K | 19.30% |
| RICHARD ANTHONY DEVITA3 | 5813 CAMILLA DRIVE CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41K | $3K | $44K | 4.89% |
| MICHAEL H GODWIN3 | 6 CONCOURSE PARKWAY, STE 2750 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.35% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR, STE 215 BIRMINGHAM, AL 35209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $861 | $2K | $3K | 0.33% |
| THOMAS S. JOHNSON3 Filed as: THOMAS STERLING JOHNSON | 2200 LAKESHORE DR, STE 215 BIRMINGHAM, AL 35209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $763 | — | $763 | 0.08% |
| PHILIP HEALY3 | 4 MAIN STREET PETERBOROUGH, NH 03458 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $711 | $711 | 0.38% |
| PHILIP HEALY3 | 4 MAIN STREET PETERBOROUGH, NH 03458 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS EIN 75-1857307 NONE | Contract Administrator Service code 13 | — | $109K |
| HEATHSMART CARE MANAGMENT SOLUTIONS EIN 75-1857307 NONE | Contract Administrator Service code 13 | — | $109K |
| MEDCOST LLC EIN 56-1999192 NONE | Contract Administrator Service code 13 | — | $75K |
| HEALTHSMART PREFERRED EIN 06-1621470 NONE | Contract Administrator Service code 13 | — | $0 |
| MULTIPLAN, INC. EIN 13-3068979 NONE | Contract Administrator Service code 13 | — | $0 |
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 | 3,097 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 2,561 | $119K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,301 | $1.1M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 516 | $185K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,505 | $2.4M |
| Other | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,646 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,561 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.