| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B P BENEFITS, LLC3 Filed as: B P BENEFITS LLC | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $36K | $4K | $41K | 2.17% |
| BULFINCH GROUP INSURANCE AGENCY3 Filed as: THE BULFINCH GROUP INSURANCE AGENCY | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 5.78% |
| LEISMAN INSURANCE AGENCY INC3 | 800 SOUTH STREET, SUITE 650 WALTHAM, MA 02453 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 4.28% |
| BULFINCH GROUP INSURANCE AGENCY3 Filed as: THE BULFINCH GROUP INSURANCE AGENCY | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $717 | $0 | $717 | 11.69% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 181 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 181 | $1.9M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 89 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $207K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $207K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $207K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 181 | $1.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.