| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 401 EDGEWTER PLACE SUITE 220 WAKEFIELD, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $19K | $3K | $22K | 1.95% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $9K | $0 | $9K | 0.79% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $5K | $5K | 3.97% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 2.49% |
| CROSS INSURANCE3 | 401 EDGEWTER PLACE SUITE 220 WAKEFIELD, MA 01880 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 2.48% |
| INDIGO INSURANCE SERVICES3 | UNKNOWN BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 7.10% |
| CROSS INSURANCE3 | 401 EDGEWTER PLACE SUITE 220 WAKEFIELD, MA 01880 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.50% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | UNKNOWN CONCORD, MA 01742 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.18% |
| CROSS INSURANCE3 | 401 EDGEWTER PLACE SUITE 220 WAKEFIELD, MA 01880 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.51% |
| CROSS INSURANCE3 | PO BOX 1388 SUITE 220 BANGOR, ME 04402 | VISION SERVICE PLAN | $401 | $0 | $401 | 1.35% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | 2352 MAIN STREET, SUITE 304 CONCORD, MA 01742 | VISION SERVICE PLAN | $250 | $0 | $250 | 0.84% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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 | 219 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 112 | $131K |
| Vision | VISION SERVICE PLAN | 118 | $30K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 132 | $63K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 132 | $63K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 219 | $1.1M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 132 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.