| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEMAX, INC.3 | 7 WEST MILL STREET MEDFIELD, MA 02052 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $25K | — | $25K | 1.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | — | $8K | $8K | 0.50% |
| BENEMAX, INC.3 | 7 WEST MILL STREET MEDFIELD, MA 02052 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | — | $4K | 2.48% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | — | $2K | $2K | 1.41% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | — | $14K | $14K | 20.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $4K | — | $4K | 20.00% |
| BENEMAX, INC.3 Filed as: BENEMAX INC. | 7 WEST MILL ST MEDFIELD, MA 02052 | USABLE LIFE | — | $202 | $202 | 0.99% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101HUNTINGTON AVE BOSTON, MA 02199 | USABLE LIFE | $4K | — | $4K | 20.00% |
| BENEMAX, INC.3 | 7 WEST MILL ST MEDFIELD, MA 02052 | USABLE LIFE | — | $174 | $174 | 0.98% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 278 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 262 | $153K |
| Life insurance | USABLE LIFE | 116 | $18K |
| Long-term disability | USABLE LIFE | 116 | $20K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 278 | $1.6M |
| Other(2 contracts) | USABLE LIFE | 145 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.