| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | UNKNOWN FRANKLIN, MA 02383 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $36K | $0 | $36K | 1.14% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $17K | $0 | $17K | 0.53% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $1K | $8K | 5.72% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.92% |
| CLEARY INSURANCE, INC.3 | 226 CAUSEWAY STREET, SUITE 302 BOSTON, MA 02114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 6.86% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $507 | $3K | 4.42% |
| MJ INSURANCE3 Filed as: ROBERT STEBBINS AND VARIOUS AGENTS | 25 STANDISH AVENUE SCITUATE, MA 02066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $290 | $2K | 3.42% |
| ENROLLMENT SOLUTIONS LTD | 14 WUNSCHEL DRIVE SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $685 | $554 | $1K | 1.96% |
| PATRICIA DASILVA3 | 22A TAMARAC DRIVE SMITHFIELD, RI 02828 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $41 | $1K | 1.91% |
| MELISSA J LINDSEY3 Filed as: MELISSA J. LINDSEY | 152 HARRIS ROAD SMITHFIELD, RI 02917 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $867 | $84 | $951 | 1.50% |
| KARIN ANGELIS3 | 17 METCALF STREET WORCESTER, MA 01609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $522 | $187 | $709 | 1.12% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 333 WEST WACKER DRIVE, SUITE 1950 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $838 | $892 | $2K | 11.80% |
| EASTERN BENEFITS GROUP3 | 605 BROADWAY SAUGUS, MA 01906 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $511 | $0 | $511 | 3.49% |
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 | 518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | 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) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 499 | $3.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 499 | $3.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $15K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 518 | $138K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 518 | $138K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 518 | $138K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 499 | $3.1M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 615 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.