| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT STRATEGY PARTNERS, LLC3 | 100 CUMMINS CENTER, SUITE 441P BEVERLY, MA 01915 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $87K | $0 | $87K | 1.24% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL | UNKNOWN WALTHAM, MA 02453 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | $0 | $33K | 7.82% |
| BENEFIT STRATEGY PARTNERS, LLC3 | 100 CUMMINGS CENTER, SUITE 441P BEVERLY, MA 01915 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $0 | $26K | 8.43% |
| BENEFIT STRATEGY PARTNERS, LLC3 Filed as: BENEFIT STRATEGY PARTNERS LLC | 100 CIMMINGS CENTER, SUITE 441P BEVERLY, MA 01915 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 14.67% |
| BENEFIT STRATEGY PARTNERS, LLC3 Filed as: BENEFIT STRATEGY PARTNERS | 100 CUMMINGS CENTER, UNIT 441P BEVERLY, MA 01915 | EYEMED VISION CARE | $2K | $0 | $2K | 6.39% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL | UNKNOWN WALTHAM, MA 02453 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 950 | $7.5M |
| Vision | EYEMED VISION CARE | 466 | $35K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 545 | $306K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 545 | $306K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 950 | $7.0M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 545 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 950 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.