| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFITS ADMNSTRTRS | 120 LONGWATER DR. NORWELL, MA 02061 | ALLWAYS HEALTH PARTNERS | $32K | — | $32K | 2.59% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMINISTATORS | AN ALERA GROUP AGENCY, LLC 120 LONGWATER DRIVE NORWELL, MA 02061 | DELTA DENTAL OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $4K | — | $4K | 3.91% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMNSTRTRS | 120 LONGWATER DR. NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 11.65% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMNSTRTRS | AN ALERA GROUP AGENCY 120 LONGWATER DR, STE 102 NORWELL, MA 02061 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $128 | $2K | 12.79% |
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 | 92 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLWAYS HEALTH PARTNERS | 58 | $1.2M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 216 | $107K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $61K |
| Prescription drug | ALLWAYS HEALTH PARTNERS | 58 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.