| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA LLC | UNKNOWN DANVERS, MA 01923 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $70K | $38K | $107K | 2.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 152 CONANT STREET, 2ND FLOOR BEVERLY, MA 01915 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $20K | $0 | $20K | 0.40% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $38K | $0 | $38K | 23.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA LLC | 181 WELLS AVENUE NEWTON, MA 02459 | USABLE LIFE | $0 | $431 | $431 | 0.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 333 ELM STREET, SUITE 300 DEDHAM, GA 02026 | EYEMED | $2K | $0 | $2K | 7.72% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARWAY, SUITE 1950 ATLANTA, GA 30339 | EYEMED | $758 | $0 | $758 | 2.35% |
| ERIC L. IMMERMAN4 | 32 LYNDE STREET APARTMENT 1R SALEM, MA 01970 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 14.65% |
| UNIQUE BENEFITS GROUP INC4 Filed as: UNIQUE BENEFITS GROUP INC. | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $837 | $0 | $837 | 5.89% |
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 | 575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 733 | $5.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 733 | $5.1M |
| Vision | EYEMED | 473 | $32K |
| Life insurance | USABLE LIFE | 575 | $160K |
| Short-term disability | USABLE LIFE | 575 | $160K |
| Long-term disability | USABLE LIFE | 575 | $160K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 733 | $5.1M |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 105 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 733 | — |
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.