| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON ST LBBY 3 BOSTON, MA 021163787 | METROPOLITAN LIFE INSURANCE COMPANY | $69K | $38 | $69K | 7.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHELE AVE STE 400 PARK 80 PLAZA 2 SADDLEBROOK, NJ 076635832 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.24% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE JAMES | 500 BOYLSTON ST 3RD FL BOSTON, MA 02116 | SUN LIFE INSURANCE COMPANY OF CANADA | $71K | $0 | $71K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - NE | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | SUN LIFE INSURANCE COMPANY OF CANADA | $0 | $11K | $11K | 2.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON ST BOSTON, MA 02116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | $0 | $33K | 9.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BOSTONIAN GROUP INS AGCY INC | 500 BOYLSTON ST BOSTON, MA 02116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC | 500 BOYLSTON ST FL 3 BOSTON, MA 021163740 | VISION SERVICE PLAN | $3K | $0 | $3K | 1.28% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: THE BOSTONIAN GROUP | 500 BOYLSTON ST FL 3 BOSTON, MA 021163740 | VISION SERVICE PLAN | $1K | $0 | $1K | 0.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATOR | Named fiduciary; Participant communication; Claims processing; Float revenue; Contract Administrator; Other services; Non-monetary compensation; Direct payment from the plan Service code 12 | 280 TRUMBALL ST HARTFORD, CT 06103 | $1.1M |
| CIGNA | Named fiduciary; Participant communication; Claims processing; Float revenue; Contract Administrator; Other services; Non-monetary compensation; Direct payment from the plan Service code 12 | — | $0 |
| MARSH & MCLENNAN AGENCY LLC BROKER | Other commissions Service code 55 | 500 BOYLSTON ST BOSTON, MA 02116 | $0 |
| THE BOSTONIAN GROUP INS AGCY INC BROKER | Other commissions Service code 55 | 500 BOYLSTON ST BOSTON, MA 02116 | $0 |
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 | 1,940 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,195 | $898K |
| Vision | VISION SERVICE PLAN | 1,515 | $207K |
| Life insurance | SUN LIFE INSURANCE COMPANY OF CANADA | 2,113 | $471K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,131 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,195 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.