| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | $66K | $20K | $86K | 1.79% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INS | 800 W CUMMINGS PARK # 6900 WOBURN, MA 01801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 12.00% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INS | 800 W CUMMINGS PARK SUITE 4000 WOBURN, MA 01801 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 10.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | $14K | — | $14K | 36.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 141 LONGWATER DRIVE SUTIE 101 NORWELL, MA 02061 | HRC TOTAL SOLUTIONS | $588 | — | $588 | 4.45% |
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 | 414 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | 876 | $4.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | 818 | $38K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 414 | $85K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 413 | $46K |
| Other | HRC TOTAL SOLUTIONS | 320 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 876 | — |
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.