| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK INSURANCE AGENCY | 275 WASHINGTON STREET, SUITE 205 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $34K | $5K | $39K | 2.54% |
| SAPERS & WALLACK3 Filed as: SAPERS-WALLACK INSURANCE AGENCY | 275 WASHINGTON ST STE 205 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.91% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $480 | $12 | $492 | 0.90% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK INS | 275 WASHINGTON ST #110 NEWTON, MA 02458 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.84% |
| INDIGO INSURANCE SVC3 | 5TH FLOOR 446 MAIN STREET WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $5K | $7K | 14.77% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK INS | 275 WASHINGTON ST #110 NEWTON, MA 02458 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.30% |
| INDIGO INSURANCE SVC3 | 5TH FLOOR 446 MAIN STREET WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.00% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 257 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $55K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 151 | $105K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $73K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 151 | $105K |
| Other(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 151 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.