| 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 | $53K | $0 | $53K | 4.89% |
| RT CONSULTING LLC3 | 4 MAIN ST PETERBOROUGH, NH 034582418 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $0 | $34K | 3.15% |
| RT CONSULTING LLC3 | 4 MAIN ST PETERBOROUGH, NH 03458 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.81% |
| RT CONSULTING LLC3 | 4 MAIN ST PETERBOROUGH, NH 03458 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 16.72% |
| RT CONSULTING LLC3 | 4 MAIN ST PETERBOROUGH, NH 03458 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 18.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF FL EIN 59-2015694 PLAN ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $1.2M |
| AETNA BEHAVIORIAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE RSAA HARTFORD, CT 06156 | $55K |
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 | 1,322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 435 | $193K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,720 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,720 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,720 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,720 | $1.1M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GRANULAR INSURANCE COMPANY | 1,240 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,720 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,720 | — |
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.