| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROCTOR W BLAIR Filed as: PROCTOR & CO INSURANCE AGENCY | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $45K | — | $45K | 2.37% |
| PROCTOR W BLAIR3 Filed as: PROCTOR & CO INSURANCE AGENCY | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $6K | — | $6K | 4.96% |
| PROCTOR & COMPANY INSURANCE AGENCY3 | 205 NEWBURY STREET SUITE 407 FRAMINGHAM, MA 01701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $471 | $4K | 10.56% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 7 NEW ENGLAND EXECUTIVE PARK SUITE 220 BURLINGTON, MA 01803 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.45% |
| PROCTOR & COMPANY INSURANCE AGENCY | 205 NEWBURY STREET SUITE 407 FRAMINGHAM, MA 01701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $281 | $2K | 8.15% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 7 NEW ENGLAND EXECUTIVE PARK SUITE 220 BURLINGTON, MA 01803 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $865 | — | $865 | 4.01% |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 133 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 140 | $129K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.