| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $98K | $50K | $148K | 2.25% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 14.35% |
| IMG5 | 2960 NORTH MERIDAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $97 | $97 | 0.03% |
| EM-POWER SERVICES, INC.3 | PO BOX 591 OXFORD, MA 01540 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 7.98% |
| ESTATE OF ANDREW P. NAPOLETANO3 | 40 ATWILL ROAD WEST ROXBURY, MA 02132 | METROPOLITAN LIFE INSURANCE COMPANY | $917 | — | $917 | 0.53% |
| JOSEPH P. IMPARATO3 | 19 SEAMANS LANE BREWSTER, MA 02631 | METROPOLITAN LIFE INSURANCE COMPANY | $313 | — | $313 | 0.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | — | $2K | 4.06% |
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 | 590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 840 | $6.6M |
| Vision | VISION SERVICE PLAN | 274 | $41K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 590 | $304K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 590 | $304K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 840 | $6.6M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 627 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.