| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET, 3RD FLOOR BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $56K | $4K | $60K | 5.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET, 3RD FLOOR BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $2K | $26K | 5.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET, 3RD FLOOR BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $247 | $4K | 5.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET, 3RD FLOOR BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $180 | $3K | 5.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET, 3RD FLOOR BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $145 | $3K | 5.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET, 3RD FLOOR BOSTON, MA 02116 | BCS INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MHA INSURANCE AGENCY3 | 5 NEW ENGLAND EXECUTIVE PARK BURLINGTON, MA 01803 | BCS INSURANCE COMPANY | $2K | — | $2K | 5.00% |
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 | 3,648 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,648 | $527K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 32 | $62K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,142 | $1.1M |
| Other(3 contracts, 3 carriers) | E4 HEALTH, INC. | 3,709 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,709 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.