| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH INSURANCE AGENCY | 85 MAIN STREET SUITE 2 NORTH ADAMS, MA 01247 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $167K | $70K | $236K | 1.46% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH INSURANCE AGENCY | 85 MAIN STREET SUITE 2 NORTH ADAMS, MA 01247 | THE STANDARD INSURANCE COMPANY | $47K | $16K | $63K | 8.63% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | THE STANDARD INSURANCE COMPANY | $25K | $0 | $25K | 3.38% |
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 | 1,233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 306 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 2,461 | $16.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 2,461 | $16.2M |
| Vision | THE STANDARD INSURANCE COMPANY | 1,539 | $730K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 1,539 | $730K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 1,539 | $730K |
| Other | THE HARTFORD | 1,197 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,461 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.