| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (NORTHE | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $38K | $13K | $51K | 4.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST SUITE 800 WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 6.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (NORTHE | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. DENTAL BLUE | $4K | $0 | $4K | 4.53% |
| PROTECTOR GROUP INSURANCE AGENCY3 | 100 FRONT ST SUITE 800 WORCESTER, MA 01608 | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 3.03% |
| PROTECTOR GROUP INSURANCE AGENCY3 | 100 FRONT ST SUITE 800 WORCESTER, MA 01608 | HARVARD PILGRIM HEALTH CARE | $2K | $0 | $2K | 3.03% |
| PROTECTOR GROUP INSURANCE AGENCY3 | 100 FRONT ST SUITE 800 WORCESTER, MA 01608 | HPHC INSURANCE COMPANY | $1K | $0 | $1K | 3.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC A MARSH & MCLENNAN AG | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | DELTA DENTAL OF MASSACHUSETTS | $408 | $0 | $408 | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $222 | $3K | 16.25% |
| PROTECTOR GROUP INSURANCE AGENCY3 | 100 FRONT ST SUITE 800 WORCESTER, MA 01608 | HARVARD PILGRIM HEALTH CARE | $377 | $0 | $377 | 3.03% |
| PROTECTOR GROUP INSURANCE AGENCY3 | 100 FRONT ST SUITE 800 WORCESTER, MA 01608 | HARVARD PILGRIM HEALTH CARE | $321 | $0 | $321 | 3.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 016081435 | VISION SERVICE PLAN | $488 | $0 | $488 | 10.01% |
| PROTECTOR GROUP INSURANCE AGENCY3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARVARD PILGRIM HEALTH CARE | $44 | $0 | $44 | 3.07% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 240 | $1.4M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. DENTAL BLUE | 236 | $117K |
| Vision | VISION SERVICE PLAN | 24 | $5K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $130K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $113K |
| Other(9 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 240 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.