| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $104K | $35K | $139K | 2.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | — | $111 | $111 | 0.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY INC | 155 FEDERAL STREET, STE 1100 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $23K | 4.66% |
| M HOLDINGS SECURITIES INC.3 | 1125 NW COUCH ST STE 900 ATTN COMMISSIONS DEPT PORTLAND, OR 972094129 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $544 | $7K | 3.14% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $351 | $6K | 2.49% |
| KEVIN CICCI3 | 16 CHESTNUT STREET STE 111 FOXBORO, MA 020351472 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.80% |
| MICHAEL J DENEEN3 Filed as: MICHAEL MINGOLELLI | 144 TURNPIKE RD STE 110 SOUTHBOROUGH, MA 017722138 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.69% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $394 | $3K | 9.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | C/O JAMES P SMITH 470 ATLANTIC AVENUE 13TH FL BOSTON, MA 02210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $238 | $3K | 11.05% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $208 | $3K | 10.93% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY, INC | 155 FEDERAL STREET SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $370 | $3K | 11.59% |
| YOZELL INSURANCE, A DIVISION OF BRO3 Filed as: YOZELL, JOHN | WEST RIDGE INSURANCE AGENCY 155 FEDERAL STREET SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $698 | — | $698 | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | VISION SERVICE PLAN | $964 | — | $964 | 6.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUS EIN 04-1045815 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $39K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-2787678 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $6K |
| WEST RIDGE INSURANCE AGENCY EIN 04-2391081 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
| WILLIAM GALLAGHER ASSOCIATES INSURA BROKER | Insurance agents and brokers Service code 22 | 470 ATLANTIC AVENUE 13TH FLOOR BOSTON, MA 02210 | $0 |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 832 | $5.2M |
| Vision | VISION SERVICE PLAN | 186 | $16K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $254K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 395 | $492K |
| Other(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 395 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 832 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.