| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE BENEFIT ADMINISTRATORS OF MASS3 Filed as: BLUE BENEFIT ADMINISTRATORS OF MAS | P.O. BOX 55917 BOSTON, MA 02205 | BERKSHIRE HATHAWAY | — | $104K | $104K | 18.35% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 535 CONNECTICUT AVENUE,SUITE 502 NORWALK, CT 06854 | BERKSHIRE HATHAWAY | $63K | — | $63K | 11.05% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06454 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 13.27% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: PERSONAL RISK MANAGEMENT SOLUTIONS | 335 MADISON AVE 22ND FLOOR NEW YORK, NY 10017 | EYEMED | $2K | — | $2K | 10.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HRC TOTAL SOLUTIONS TAX EIN 30-0041952 ADMINISTRATIVE FEE,CLAIM | Contract Administrator; Claims processing Service code 12 | — | $227K |
| BLUE BENEFIT ADMINISTRATORS OF MASS EIN 27-1502067 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $11K |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKSHIRE HATHAWAY | 173 | $567K |
| Vision | EYEMED | 280 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $54K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $54K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.