| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | — | MASS GENERAL BRIGHAM HEALTH PLAN | $95K | — | $95K | 1.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL | $12K | $1K | $14K | 2.59% |
| CHRISTOPHER M. ALLEN3 | 277 DARTMOUTH ST. 4TH FLR. BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 3.84% |
| BRYAN LAMBERT, JR.3 | 20 PARK PLAZA STE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.32% |
| MASSACHUSETTS BANKERS ASSOCIATION3 Filed as: MASSACHUSETTS FINANCIAL SERVICES IN | ONE WASHINGTON MALL 8TH FLOOR BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $20K | $668 | $20K | 13.48% |
| MASS FNCL SVCS INS AGCY INC3 Filed as: MASS FINANCIAL SERVICES INS. AGENCY | 1 WASHINGTON MALL STE 800 BOSTON, MA 02108 | VISION SERVICE PLAN | $3K | — | $3K | 5.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $567 | — | $567 | 2.68% |
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 | 470 | 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) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MASS GENERAL BRIGHAM HEALTH PLAN | 282 | $7.0M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL | 901 | $528K |
| Vision | VISION SERVICE PLAN | 313 | $58K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 463 | $151K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $203K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $203K |
| Other | KGA | 487 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 901 | — |
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.