| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $49K | — | $49K | 1.27% |
| CU BENEFITS ALLIANCE3 | 415 DIVISION ST NE SALEM, OR 97301 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $17K | — | $17K | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.07% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $187 | — | $187 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.85% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $263 | — | $263 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | EYEMED | $1K | — | $1K | 6.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | EYEMED | $389 | — | $389 | 2.26% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | EYEMED | $232 | — | $232 | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $736 | — | $736 | 9.13% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $232 | — | $232 | 2.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF MASS. INC EIN 04-1045815 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $28K |
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 | 259 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 537 | $3.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 537 | $3.9M |
| Vision | EYEMED | 291 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 259 | $68K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $4K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 259 | $78K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 537 | $3.9M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 259 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.