| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2 | $497 | $499 | 0.02% |
| RT CONSULTING LLC3 | 4 MAIN STREET PETERBOROUGH, NH 034580000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$15 | -$636 | -$651 | -0.02% |
| RT CONSULTING LLC3 Filed as: RT CONSULTING OF THE NORTHEAST | 4 MAIN STREET PETERBOROUGH, NH 03458 | SYMETRA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 8.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASS | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | SYMETRA LIFE INSURANCE COMPANY | $194 | $0 | $194 | 0.13% |
| INDIGO INSURANCE SERVICES3 | 100 FRONT STREET WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $87 | $0 | $87 | 0.06% |
| PHILIP HEALY3 | 4 MAIN STREET PETERBOROUGH, NH 03458 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $10K |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 283 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 283 | $2.8M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 283 | $2.8M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 283 | $154K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 283 | $154K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 283 | $154K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 283 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.