| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH INSURANCE AGENCY | 85 MAIN STREET SUITE 110 NORTH ADAMS, MA 01247 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $33K | $6K | $39K | 2.95% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH INSURANCE AGENCY | 85 NORTH STREET SUITE 110 NORTH ADAMS, MA 01247 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $4K | — | $4K | 4.84% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH INSURANCE AGENCY | 85 MAIN STREET SUITE 110 NORTH ADAMS, MA 01247 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $129 | $4K | 10.67% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH INSURANCE AGENCY | 85 MAIN STREET SUITE 110 NORTH ADAMS, MA 01247 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $38 | $1K | 11.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1 | — | $1 | 0.01% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH INSURANCE AGENCY | 85 MAIN STREET SUITE 110 NORTH ADAMS, MA 01247 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $159 | $4 | $163 | 13.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1 | — | -$1 | -0.08% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 194 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 222 | $86K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $41K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.