| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES P. ROCHE3 | 959 CONCORD ST SUITE 220 FRAMINGHAM, MA 01701 | KAISER FOUNDATION HEALTH PLAN | $74K | — | $74K | 2.49% |
| DBR GROUP3 Filed as: DBR GROUP, INC | 959 CONCORD STREET, STE 220 FRAMINGHAM, MA 01701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $34K | — | $34K | 1.48% |
| DBR GROUP3 Filed as: DBR GROUP, INC. | 959 CONCORD ST SUITE 220 FRAMINGHAM, MA 01701 | AETNA LIFE INSURANCE COMPANY | $94K | — | $94K | 5.27% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP | 270 AVE MUNOZ RIVERA PHI SAN JAUN, PR 00918 | TRIPLE-S SALUD, INC. | $28K | — | $28K | 5.00% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP | 270 MUNOZ RIVERA AVE. SUITE PH-1 SAN JUAN, PR 00918 | DELTA DENTAL OF PUERTO RICO | $4K | — | $4K | 10.00% |
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 | 3,649 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 631 | $3.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,547 | $2.4M |
| Vision | VISION SERVICE PLAN | 5,150 | $260K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 3,756 | $1.8M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 3,756 | $1.8M |
| Prescription drug | TRIPLE-S SALUD, INC. | 276 | $562K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 3,756 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,547 | — |
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."
No prospect flags tripped on this filing.