| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | HEALTH NEW ENGLAND | $75K | — | $75K | 3.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | — | $4K | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 12.61% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT ST STE 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.36% |
| NEESENROLL3 Filed as: NEESENROLL INC | 65 BURBANK RD SUTTON, MA 01590 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 1.77% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE RD HOLLISTON, MA 01746 | HARTFORD LIFE AND ACCIDENT | $923 | — | $923 | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 1945 CONGRESS ST. PO BOX 3543 PORTLAND, ME 04102 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.70% |
| ACCESS ENROLL3 Filed as: ACCESS ENROLLMENT SOLUTIONS, INC. | 68 WINGATE RD HOLLISTON, MA 01746 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.21% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE RD. HOLLISTON, MA 01746 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $226 | — | $226 | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 01608 | EYEMED | $1K | — | $1K | 9.84% |
| JOHN T MORAN3 | 11016 FAIR CHASE COURT RALEIGH, NC 27617 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 3.00% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND | 182 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 256 | $127K |
| Vision | EYEMED | 148 | $12K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 92 | $91K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 92 | $65K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 92 | $65K |
| Prescription drug | HEALTH NEW ENGLAND | 182 | $2.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 92 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.