| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP HEALY3 | 4 MAIN ST C/O RT CONSULTING PETERBOROUGH, NH 034582418 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $0 | $40K | 3.12% |
| RT CONSULTING LLC3 | 4 MAIN ST PETERBOROUGH, NH 034582418 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $2K | $21K | 1.65% |
| RT CONSULTING LLC3 | 4 MAIN ST PETERBOROUGH, NH 03458 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $327 | $13K | 17.90% |
| RT CONSULTING LLC3 | 4 MAIN ST PETERBOROUGH, NH 03458 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $355 | $5K | 12.52% |
| RT CONSULTING LLC3 | 4 MAIN ST PETERBOROUGH, NH 03458 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $276 | $5K | 12.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF FLORIDA EIN 59-2015694 BENEFITS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $702K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $50K |
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 | 1,221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $150K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,676 | $1.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,676 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,676 | $1.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,676 | $1.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,676 | $1.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF FLORIDA, INC. | 1,221 | $966K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,676 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,676 | — |
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.