| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $49K | $6K | $55K | 3.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.18% |
| RICHARD GARY ESKIN3 Filed as: RICHARD G ESKIN | 1324 VINCENT PLACE MCLEAN, VA 22101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $331 | $0 | $331 | 0.41% |
| KENNETH P KATES3 | 181 WELLS AVENUE NEWTON, MA 024593344 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $331 | $0 | $331 | 0.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.19% |
| RICHARD GARY ESKIN3 Filed as: RICHARD G ESKIN | 1324 VINCENT PLACE MCLEAN, VA 22101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $293 | $0 | $293 | 0.41% |
| KENNETH P KATES3 Filed as: KENNETH P. KATES | 181 WELLS AVENUE NEWTON, MA 02459 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $293 | $0 | $293 | 0.41% |
| LEISMAN INSURANCE AGENCY INC3 Filed as: LEISMAN INSURANCE AGENCY, INC. | 800 SOUTH STREET, SUITE 650 WALTHAM, MA 02453 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 18.31% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 242 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 242 | $1.8M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $81K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $72K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 242 | $1.8M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.