| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $114K | $33K | $147K | 2.58% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $23K | 5.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2 | $2K | 0.41% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY ROAD SAINT LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2 | $2K | 0.41% |
| M HOLDINGS SECURITIES INC.3 Filed as: M HOLDINGS SECURITES, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 5.80% |
| MICHAEL J DENEEN3 Filed as: MICHAEL MINGOLELLI | 144 TURNPIKE ROAD, SUITE 110 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.65% |
| KEVIN CICCI3 | 16 CHESTNUT STREET, SUITE 111 FOXBORO, MA 02035 | METROPOLITAN LIFE INSURANCE COMPANY | $816 | — | $816 | 0.34% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DRIVE SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 12.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | VISION SERVICE PLAN | $1K | — | $1K | 5.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $30 | $1K | 15.40% |
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 | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 816 | $5.7M |
| Vision | VISION SERVICE PLAN | 200 | $17K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 201 | $291K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $458K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 816 | $5.7M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
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.