| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-NE | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $40K | $12K | $52K | 2.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 23.02% |
| BRIAN WHITE3 Filed as: BRIAN WILLIAM PATTEN | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 8.89% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY M CATUCCI | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.79% |
| DANIEL C HARRIS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.73% |
| RHONDA A DRESNER3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $997 | $0 | $997 | 2.74% |
| MATTHEW G BERGER3 Filed as: MATTHEW RYAN KIRKWOOD | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $437 | $0 | $437 | 1.20% |
| CARLOS A ALMEIDA3 Filed as: CARLOS E MAHECHA | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $391 | $0 | $391 | 1.07% |
| HEATHER M BARTLEY3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $311 | $0 | $311 | 0.85% |
| JEFFREY D HARNED3 Filed as: JEFFREY SCOTT CORREAL | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $307 | $0 | $307 | 0.84% |
| BRIAN WHITE3 Filed as: BRIAN HARTNETT | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $239 | $0 | $239 | 0.66% |
| LIZ CORIO3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | $0 | $169 | 0.46% |
| TMBG INC3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | $0 | $83 | 0.23% |
| BENEDIKT N MASON3 Filed as: BENEDIKT NICHOLAS MASON | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.17% |
| TINA WAY3 Filed as: TINA M KANE | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| HEATHER M BARTLEY3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.61% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $96 | $0 | $96 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69 | $0 | $69 | 10.00% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 231 | $2.4M |
| Vision | VISION SERVICE PLAN | 111 | $19K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $45K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 231 | $2.4M |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 209 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.