| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $90K | — | $90K | 1.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACUSETTS, INC. | PO BOX 416672 BOSTON, MA 02241 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $36K | $21K | $57K | 0.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FL. NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 8.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 100 HUNTING AVE STE 300 BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 5.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVE, FL. 21 NEW YORK, NY 101730401 | VISION SERVICE PLAN | $1K | — | $1K | 2.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | PO BOX 416672 BOSTON, MA 022416672 | VISION SERVICE PLAN | $642 | — | $642 | 1.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | TUFTS HEALTH PLAN MEDICARE PREFERRED | $244 | — | $244 | 3.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | TUFTS HEALTH PLAN MEDICARE PREFERRED | $160 | — | $160 | 3.36% |
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 | 1,350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,364 | $8.7M |
| Vision | VISION SERVICE PLAN | 301 | $59K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,350 | $381K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,350 | $381K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,350 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,364 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.