| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC BROGAN Filed as: ERIC GULKO | — | BLUE CROSS BLUE SHIELD OF MASSACUSETTS, INC. | $42K | — | $42K | 1.93% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP LLC | — | BLUE CROSS BLUE SHIELD OF MASSACUSETTS, INC. | $12K | — | $12K | 0.55% |
| ERIC BROGAN Filed as: ERIC GULKO | — | BLUE CROSS BLUE SHIELD OF MASSACUSETTS, INC. | $4K | — | $4K | 2.97% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACUSETTS, INC. | $1K | — | $1K | 0.82% |
| ERIC BROGAN Filed as: ERIC P GULKO | — | THE HARTFORD | $6K | — | $6K | 9.73% |
| INDIGO INSURANCE SERVICES Filed as: INDIGO INS SERVICES LLC | — | THE HARTFORD | — | $4K | $4K | 7.00% |
| INNOVO BENEFITS GROUP Filed as: INNOVO BENEFITS GROUP, LLC | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.38% |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACUSETTS, INC. | 240 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACUSETTS, INC. | 233 | $126K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 145 | $12K |
| Life insurance | THE HARTFORD | 149 | $61K |
| Long-term disability | THE HARTFORD | 149 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.