| 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 | $78K | $0 | $78K | 5.22% |
| RT CONSULTING LLC3 | 4 MAIN ST PETERBOROUGH, NH 034582418 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $0 | $30K | 2.00% |
| RT CONSULTING LLC3 | 4 MAIN ST PETERBOROUGH, NH 03458 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 24.86% |
| RT CONSULTING LLC3 | 4 MAIN ST PETERBOROUGH, NH 03458 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 17.85% |
| RT CONSULTING LLC3 | 4 MAIN ST PETERBOROUGH, NH 03458 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF FLORIDA EIN 59-2015694 PLAN ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $653K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE RSAA HARTFORD, CT 06156 | $33K |
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 | 1,696 | 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) | 1,696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $140K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,717 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,717 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,717 | $1.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,717 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,717 | $1.5M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF FLORIDA, INC. | 1,221 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,717 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,717 | — |
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.