| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | HEALTH NEW ENGLAND | $44K | — | $44K | 3.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $2K | — | $2K | 3.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $936 | — | $936 | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 13.52% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT ST STE 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 7.00% |
| NEESENROLL3 Filed as: NEESENROLL INC | 65 BURBANK RD SUTTON, MA 01590 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 6.68% |
| DIGITAL INSURANCE LLC3 | 72 SHARP ST. UNIT C12 HINGHAM, MA 02043 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $646 | $646 | 1.58% |
| ACCESS ENROLL3 Filed as: ACCESS ENROLLMENT SOLUTIONS, INC. | 33 LANDAU ROAF PLAINVILLE, MA 02762 | HARTFORD LIFE AND ACCIDENT | $218 | — | $218 | 0.53% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE RD HOLLISTON, MA 01746 | HARTFORD LIFE AND ACCIDENT | $146 | — | $146 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 01608 | EYEMED | $587 | — | $587 | 7.94% |
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 | 181 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND | 185 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 272 | $69K |
| Vision | EYEMED | 189 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 93 | $41K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 93 | $41K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 93 | $41K |
| Prescription drug | HEALTH NEW ENGLAND | 185 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 93 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.