| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES NY LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | $74K | $35K | $109K | 2.18% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INS | 800 W CUMMINGS PARK SUITE 4000 WOBURN, MA 01801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 7.93% |
| RSC INSURANCE BROKERAGE INC3 | 800 W CUMMINGS PARK SUTIE 4000 WOBURN, MA 01801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.98% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFFITS GROUP | 800 W CUMMINGS PARK SUTIE 4000 WOBURN, MA 01801 | HARTFORD LIFE AN ACCIDENT | $9K | — | $9K | 12.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YOURK, NY 10173 | VISION SERVICE PLAN | $1K | — | $1K | 5.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES NY LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | HRC TOTAL SOLUTIONS | $0 | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES NY LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | HRC TOTAL SOLUTION | $0 | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES NY LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | $15K | — | $15K | — |
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 | 425 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | 867 | $5.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | 826 | $0 |
| Vision | VISION SERVICE PLAN | 102 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $98K |
| Long-term disability | HARTFORD LIFE AN ACCIDENT | 425 | $71K |
| Other(2 contracts, 2 carriers) | HRC TOTAL SOLUTIONS | 294 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 867 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.