| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | HARVARD PILGRIM HEALTH CARE | $33K | $0 | $33K | 2.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | — | $4K | 4.34% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $13K | $0 | $13K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | USABLE LIFE | $0 | $1K | $1K | 2.31% |
| GRAEVE NICHOLAS3 | 99 EDWARDS STREET QUINCY, MA 02169 | USABLE LIFE | $0 | $300 | $300 | 0.48% |
| HOLMES, CRYSTAL3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | $0 | $138 | $138 | 0.22% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $9K | $0 | $9K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | USABLE LIFE | $0 | $1K | $1K | 2.29% |
| GRAEVE NICHOLAS3 | 99 EDWARDS STREET QUINCY, MA 02169 | USABLE LIFE | $0 | $210 | $210 | 0.48% |
| HOLMES, CRYSTAL3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | $0 | $97 | $97 | 0.22% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $61K | $0 | $61K | 352.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | USABLE LIFE | $0 | $397 | $397 | 2.29% |
| GRAEVE NICHOLAS3 | 99 EDWARDS STREET QUINCY, MA 02169 | USABLE LIFE | $0 | $83 | $83 | 0.48% |
| HOLMES, CRYSTAL3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | $0 | $38 | $38 | 0.22% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 7.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $1K | $0 | $1K | 9.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $618 | $0 | $618 | — |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 194 | $85K |
| Vision | EYEMED VISION CARE | 177 | $13K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 163 | $57K |
| Short-term disability | USABLE LIFE | 177 | $63K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 205 | $17K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 163 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.