| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | $69K | $25K | $94K | 1.88% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INS | 800 W, CUMMINGS PARK SUITE 40000 WOBURN, MA 01801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $474 | $11K | 12.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | DELTA DENTAL OF MASSACHUSETTS | $32K | — | $32K | 61.34% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INS | 880 W. CUMMINGS PARK SUITE 4000 WOBURN, MA 01801 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 12.72% |
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 | 403 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | 908 | $5.0M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 832 | $52K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 404 | $87K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 401 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 908 | — |
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.