| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $41K | $12K | $53K | 4.30% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $6K | $5K | $11K | 12.89% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 7.00% |
| CHELSEA TURGEON3 | 197 LORENZO STREET WORCESTER, MA 01604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $19 | $150 | 6.95% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $15 | $149 | 6.91% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $55 | $128 | 5.93% |
| LORI ANN MARTINEZ3 | 7 SYDNEY CIRCLE CHARLTON, MA 01507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $13 | $77 | 3.57% |
| DONNA G MOLET3 | 274 ASH STREET WINCHENDON, MA 01475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.70% |
| ANDREA R. HENCHEY3 Filed as: ANDREA R HENCHEY | 5 EDGEMERE BOULEVARD SHREWSBURY, MA 01545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $4 | $13 | 0.60% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.37% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.19% |
| MICHAEL P TSOTSIS3 | 446 MAIN STREET 14TH FLOOR WORCESTER, MA 01608 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 2.54% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 83 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 83 | $1.2M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 83 | $1.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 113 | $89K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 113 | $91K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 113 | $89K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 113 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.