| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $126K | $23K | $149K | 2.96% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 3.53% |
| MARK W. SMILEY3 | 28 MAIN STREET NORTHBOROUGH, MA 015321942 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 8.03% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 233 W CENTRAL STREET NATICK, MA 017603757 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 6.86% |
| BRIAN CHARON3 | PO BOX 9145 NORWELL, MA 020619145 | METROPOLITAN LIFE INSURANCE COMPANY | $195 | — | $195 | 0.27% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS, INC | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | VISION SERVICE PLAN | $2K | — | $2K | 3.82% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 909 | $5.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 634 | $598K |
| Vision | VISION SERVICE PLAN | 433 | $47K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 634 | $598K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 634 | $598K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 634 | $671K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.