| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $26K | $0 | $26K | 1.27% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | $2K | $7K | 0.34% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $8K | $8K | 8.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 7.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 4.26% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $240 | $3K | 11.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $321 | $0 | $321 | 1.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $64 | $2K | 15.48% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 247 | $2.0M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 247 | $2.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 244 | $96K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 69 | $31K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 244 | $96K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 247 | $2.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 244 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.