| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $158K | $40K | $198K | 3.73% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $145K | — | $145K | 3.74% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | HEALTH PLAN OF NEVADA | $36K | — | $36K | 4.00% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | RELIASTAR LIFE INSURANCE COMPANY | $19K | — | $19K | 4.97% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | VISION SERVICE PLAN | $3K | — | $3K | 2.64% |
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 | 990 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 992 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,044 | $10.1M |
| Vision | VISION SERVICE PLAN | 543 | $96K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,345 | $387K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,345 | $387K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,044 | $10.1M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,345 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,345 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.