| 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 | $192K | $30K | $222K | 2.89% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 33 BOSTON POST ROAD WEST SUITE 120 MARLBOROUGH, MA 01752 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL | $15K | — | $15K | 2.36% |
| 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 | 3.11% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 233 W CENTRAL STREET NATICK, MA 017603757 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.60% |
| MARK W. SMILEY3 | 28 MAIN STREET NORTHBOROUGH, MA 015321942 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.39% |
| EASTERN INS GROUP LLC3 | 100 QUANNAPOWITT PKWY SUITE 400 WAKEFIELD, MA 018801319 | METROPOLITAN LIFE INSURANCE COMPANY | $155 | — | $155 | 0.26% |
| BRIAN CHARON3 | PO BOX 9145 NORWELL, MA 020619145 | METROPOLITAN LIFE INSURANCE COMPANY | $80 | — | $80 | 0.13% |
| SULLIVAN INSURANCE AGENCY4 Filed as: SULLIVAN INSURANCE GROUP, INC. | 1 MERCENTILE ST SUITE 170 WORCESTER, MA 01608 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 25.56% |
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 | 595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,112 | $7.7M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL | 1,114 | $625K |
| Vision | VISION SERVICE PLAN | 543 | $69K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,112 | $7.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 96 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,114 | — |
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.