| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $33K | $13K | $45K | 4.11% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $446 | $4K | 13.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $710 | $710 | 2.42% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $329 | $2K | 10.05% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $531 | $531 | 2.47% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK INS AGENCY | ONE NEWTON PLACE 275 WASHINGTON STREET, SUITE 205 NEWTON, MA 02458 | DELTA DENTAL OF MASSACHUSETTS | $345 | — | $345 | 2.66% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK INS AGENCY | ONE NEWTON PLACE 275 WASHINGTON STREET, SUITE 205 NEWTON, MA 02458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $352 | $35 | $387 | 16.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HWY S BLDG II,SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $58 | $58 | 2.47% |
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 | 156 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 80 | $1.1M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 95 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $21K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 126 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 80 | $1.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.