| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST SUITE 800 WORCESTER, MA 01608 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $19K | $8K | $28K | 4.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.51% |
| R FINE & R FINE INS LLC3 Filed as: R FINE AND R FINE INSURANCE LLC | 370 MAIN STREET SUITE 880 WORCESTER, MA 01608 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52 | — | $52 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | STANDARD INSURANCE COMPANY | $2K | $268 | $3K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | STANDARD INSURANCE COMPANY | $2K | $188 | $2K | 8.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $549 | — | $549 | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | STANDARD INSURANCE COMPANY | $1K | $50 | $1K | 14.43% |
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 | 110 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 75 | $679K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 56 | $47K |
| Life insurance | STANDARD INSURANCE COMPANY | 110 | $24K |
| Short-term disability | STANDARD INSURANCE COMPANY | 108 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 23 | $9K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 75 | $679K |
| Other | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 57 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
No prospect flags tripped on this filing.