| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $189K | $0 | $189K | 2.07% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW AGENCY INC | 1 GRIFFIN BROOK DRIVE, SUITE 200 METHUEN, MA 01844 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $39K | $40K | $80K | 0.87% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INSURANCE | 1 GRIFFIN BROOK DRIVE, SUITE 200 METHUEN, MA 01844 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $4K | $29K | 7.66% |
| GROUP INSURANCE SOLUTIONS, INC.3 Filed as: GROUP INSURANCE SOLUTIONS, INC, | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.50% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INSURANCE | 1 GRIFFIN BROOK DRIVE METHUEN, MA 01844 | VISION SERVICE PLAN | $627 | $0 | $627 | 0.71% |
| ASSUREDPARTNERS4 Filed as: JENNIFER A BORISLOW INSURANCE | 1 GRIFFIN BROOK DRIVE METHUEN, MA 01844 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | $0 | $2K | 13.20% |
| UNIQUE BENEFITS GROUP INC4 Filed as: UNIQUE BENEFITS GROUP, INC. | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $142 | $0 | $142 | 0.92% |
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 | 684 | 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) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,237 | $9.1M |
| Vision | VISION SERVICE PLAN | 635 | $88K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $378K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $378K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $378K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,237 | $9.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $394K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,237 | — |
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.