| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT STATEGY PARTNERS3 Filed as: BENEFIT STATEGY PARTNERS, LLC | 100 CUMMINGS CENTER BEVERLY, MA 01915 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $85K | $7K | $92K | 1.19% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $22K | $0 | $22K | 0.29% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL, LLC | 41B NEW LONDON TURNPIKE GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $0 | $31K | 6.98% |
| BENEFIT STATEGY PARTNERS3 | 100 CUMMINGS CENTER, SUITE 441-P BEVERLY, MA 01915 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $0 | $29K | 8.85% |
| BENEFIT STATEGY PARTNERS3 | 100 CUMMINGS CENTER, SUITE 441-P BEVERLY, MA 01915 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 14.95% |
| BENEFIT STATEGY PARTNERS3 | 100 CUMMINGS CENTER BEVERLY, MA 01915 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $4K | $0 | $4K | 8.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 30.00% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL, LLC | 41B NEW LONDON TURNPIKE GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $502 | $0 | $502 | 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 | 515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 518 | 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. | 857 | $8.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 26 | $448K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 558 | $40K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 515 | $325K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 515 | $325K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 857 | $7.7M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 515 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 857 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.