| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 125 HIGH STREET, 22ND FLOOR BOSTON, MA 02110 | ANTHEM BLUE CROSS | $265K | $2K | $268K | 4.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 111 COMMERCIAL STREET SUITE 401 PORTLAND, ME 04101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $38K | $0 | $38K | 7.41% |
| NEESENROLL3 Filed as: NEESENROLL, INC. | 65 BURBANK ROAD SUTTON, MA 01590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | $0 | $7K | 1.36% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $0 | $5K | 0.95% |
| ALLIANT INSURANCE SERVICES, INC.3 | 111 COMMERCIAL STREET SUITE 401 PORTLAND, ME 04101 | UNITEDHEALTHCARE INSURANCE COMPANY OF NEW YORK | $150 | $0 | $150 | 14.99% |
No Schedule C service providers reported on this filing.
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 | 829 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 99 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 912 | $6.5M |
| Dental | ANTHEM BLUE CROSS | 912 | $6.5M |
| Vision | ANTHEM BLUE CROSS | 912 | $6.5M |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 829 | $514K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 829 | $514K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 829 | $514K |
| Prescription drug | ANTHEM BLUE CROSS | 912 | $6.5M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 829 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 912 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.