| 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, INC. | $35K | $7K | $42K | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MASSACHUSETTS | $4K | $0 | $4K | 3.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 8.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 10.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $674 | $0 | $674 | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $671 | $0 | $671 | 2.40% |
| CATHY A MESSING3 | 2 PICKWICK WAY WAYLAND, MA 01778 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $752 | $98 | $850 | 4.64% |
| MCNEIL VOLUNTARY BENEFITS GROUP3 | 9 ACORN CIRCLE MEDFIELD, MA 02052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $355 | $97 | $452 | 2.47% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $349 | $13 | $362 | 1.98% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | $0 | $201 | 1.10% |
| JANET S DOHERTY3 | 1001 STARKEY RD LARGO, FL 33771 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $137 | $13 | $150 | 0.82% |
| FREDERICK D LEIGH3 | 29 RAMBLIN BROOK RD SEEKONK, MA 02771 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.41% |
| THOMAS HETZEL3 | 45 PARTRIDGE WAY NORTH EASTON, MA 02356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.26% |
| JOY LINDER3 | 20 RICH ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $517 | $2K | 12.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $199 | $0 | $199 | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | EYEMED | $741 | $0 | $741 | 8.31% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 299 | $1.4M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 214 | $96K |
| Vision | EYEMED | 130 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $45K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $52K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $28K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 299 | $1.4M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.