| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $75K | $101 | $75K | 0.66% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $42K | — | $42K | 0.36% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | AETNA LIFE INSURANCE COMPANY | $96K | — | $96K | 8.98% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | AETNA LIFE INSURANCE COMPANY | $35K | — | $35K | 3.29% |
| ENROLLMENT RESOURCES GROUP3 | 233 S WACKER DR STE 1875 CHICAGO, IL 60603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.56% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE-COMBINED INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.34% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET BOSTON, MA 02109 | EYEMED VISION CARE-COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | 26 CENTURY BLVD FLOOR 4S NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $221 | $3K | 12.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET STE 310 BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $641 | — | $641 | 8.92% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $483 | — | $483 | 6.72% |
| EMERSON REID LLC3 | 401 BROADWAY STE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $161 | $161 | 2.24% |
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 | 1,754 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,062 | $11.4M |
| Vision | EYEMED VISION CARE-COMBINED INSURANCE COMPANY OF AMERICA | 1,544 | $64K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,754 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,754 | $1.1M |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,754 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,062 | — |
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.