| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 270 ATLANTIC STREET BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $143K | — | $143K | 0.60% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $103K | $39K | $142K | 0.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INS SERVICES, INC | 270 ATLANTIC STREET BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $64K | — | $64K | 0.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC | 26 CENTURY BLVD, FLOOR 45 NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $88K | $88K | 5.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOC INS AGCY | 470 ATLANTIC AVE BOSTON, MA 02210 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 470 ATLANTIC AVENUE BOSTON, MA 02210 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 0.62% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR, STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 0.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC | 26 CENTURY BLVD, FLOOR 45 NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $5K | $13K | 3.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC | 26 CENTURY BLVD, FLOOR 45 NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 7.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC | 26 CENTURY BLVD, FLOOR 45 NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 8.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 270 ATLANTIC STREET BOSTON, MA 02210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 6.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOC INS AGCY | 470 ATLANTIC AVENUE BOSTON, MA 02210 | KAISER FOUNDATION HEALTH PLAN INC. | $498 | — | $498 | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 470 ATLANTIC AVENUE BOSTON, MA 02210 | KAISER FOUNDATION HEALTH PLAN INC. | $296 | — | $296 | 0.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR, STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $59 | — | $59 | 0.12% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, INC. | 199 WATER STREET NEW YORK, NY 10055 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 17.50% |
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 | 1,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 3,030 | $24.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $64K |
| Vision | VISION SERVICE PLAN | 788 | $133K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,209 | $664K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,513 | $1.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,455 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,030 | — |
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.