| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | UNKNOWN QUINCY, MA 02171 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $71K | $22K | $92K | 1.71% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN QUINCY, MA 02171 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $14K | $0 | $14K | 0.25% |
| HP PLANNING LLC3 | 535 CONNECTIUTE AVENUE, SUITE 502 NORWALK, CT 06854 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | $0 | $19K | 4.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 22346 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 1.12% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET, 3RD FLOOR BOSTON, MA 02109 | DELTA DENTAL OF MASSACHUSETTS | $7K | $0 | $7K | 2.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MASSACHUSETTS | $1K | $0 | $1K | 0.33% |
| DANIEL F BEADLEY JR3 | 37374 UNDERWOOD WAY DAGSBORO, DE 19939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.00% |
| THOMAS J COLBERT3 | 100 CUMMINGS CENTER, SUITE 363C BEVERLY, MA 01915 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.00% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 121 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 518 | $5.4M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 410 | $315K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 518 | $5.4M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $459K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $459K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $459K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 518 | $5.4M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.