| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: PRIME RISK PARTNERS INS AGCY LLC | 144 GOULD STREET SUITE 100 NEEDHAM HEIGHTS, MA 02494 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 3.00% |
| RISK STRATEGIES COMPANY3 Filed as: PRIME RISK PARTNERS INS AGCY LLC | 144 GOULD STREET SUITE 100 NEEDHAM, MA 02494 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $148 | $3K | 4.82% |
| RISK STRATEGIES COMPANY3 Filed as: PRIME RISK PARTNERS INSURANCE LLC | DBA ROBLIN INSURANCE AGENCY 144 GOULD ST STE 100 NEEDHAM, MA 02494 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.53% |
| ROBLIN INSURANCE AGENCY3 | 144 GOULD STREET NEEDHAM, MA 02494 | EYEMED VISION CARE | $461 | — | $461 | 9.85% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 56 | $910K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $56K |
| Vision | EYEMED VISION CARE | 113 | $5K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $34K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $34K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $34K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.