| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | UNKNOWN BOSTON, MA 02109 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $41K | $3K | $44K | 1.66% |
| LEISMAN INSURANCE AGENCY INC3 Filed as: LEISMAN INSURANCE AGENCY, INC. | 800 SOUTH STREET, SUITE 650 WALTHAM, MA 02453 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 3.34% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 117 KENDRICK STREET, SUITE 300 NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 2.89% |
| BULFINCH GROUP INSURANCE AGY3 Filed as: THE BULFINCH GROUP INSURANCE | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.59% |
| BULFINCH GROUP INSURANCE AGY3 Filed as: THE BULFINCH GROUP INSURANCE | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 2.64% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 117 KENDRICK STREET, SUITE 300 NEEDHAM, MA 02494 | UNUM INSURANCE COMPANY | $667 | $0 | $667 | 0.51% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 197 FIRST AVENUE, SUITE 100 NEEDHAM, MA 02494 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $729 | $0 | $729 | 9.72% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 226 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 226 | $2.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 125 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $281K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $281K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $281K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 226 | $2.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.