| 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. | $131K | $28K | $158K | 2.62% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $3K | $25K | 5.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $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 | $0 | $2K | 0.41% |
| LINCOLN BENEFITS GROUP INSURANCE3 Filed as: LINCOLN INVESTMENT PLANNING, INC. | 601 OFFICE CENTER DRIVE, SUITE 300 FORT WASHINGTON, PA 19034 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.89% |
| CANE INSURANCE AGENCY, INC.3 | 35 BRAINTREE HILL PARK, SUITE 400 BRAINTREE, MA 02184 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.66% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $825 | $0 | $825 | 0.25% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $52 | $52 | — |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 811 | $6.0M |
| Vision | VISION SERVICE PLAN | 231 | $21K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $393K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 423 | $456K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 811 | $6.0M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 423 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 811 | — |
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.