| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONE MONARCH PLACE3 | SUITE 1500 SPRINGFIELD, MA 01144 | HEALTH NEW ENGLAND, INC. | $47K | $0 | $47K | 2.13% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | DELTA DENTAL OF CONNECTICUT, INC. | $5K | $0 | $5K | 2.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 8.06% |
| EPSIX, INC.3 Filed as: EPSIX INC | 13924 EAST DYER LANE SCOTTDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 5.32% |
| ANDREW GEORGE BLUNDON3 Filed as: ANDREW G BLUNDON AND OTHER AGENTS | 24 MAINE STREET, APARTMENT 5 NEW HAMPSHIRE, NH 03275 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 4.62% |
| MICHAEL BAECKER3 | 71 GEER STREET CROMWELL, CT 06416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $744 | $0 | $744 | 0.53% |
| EVAN D CROSS3 | 100 ALLERTON ROAD MILTON, MA 02186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $725 | $0 | $725 | 0.52% |
| JOEL B KARAS3 | 8 SHANLEY STREET BRIGHTON, MA 02135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $670 | $0 | $670 | 0.48% |
| MARLENE R CONROY3 | 150 ANDOVER STREET, SUITE 12C DANVERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $584 | $0 | $584 | 0.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $83 | $4K | 4.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.81% |
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 | 875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 174 | $2.2M |
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 668 | $230K |
| Vision | VISION SERVICE PLAN | 340 | $51K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 875 | $106K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 875 | $246K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 875 | $106K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 174 | $2.2M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 875 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 875 | — |
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.