| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD EISENBERG, CLU3 Filed as: RICHARD EISENBERG | EISENBERG ASSOCIATES INS AGENCY 1330 CENTRE ST NEWTON, MA 02459 | SUN LIFE ASSURANCE COMPANY OF CANADA | $60K | — | $60K | 10.28% |
| RICHARD EISENBERG, CLU3 | 1330 CENTRE STREET NEWTON CENTER, MA 02459 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $31K | — | $31K | 10.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203312 DALLAS, TX 75320 | DELTA DENTAL | $4K | — | $4K | 1.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY EIN 38-1082080 | Claims processing Service code 12 | — | $88K |
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 | 3,737 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 3,463 | $55.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 3,463 | $56.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 3,463 | $55.9M |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 3,755 | $314K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,755 | $579K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 3,463 | $55.9M |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 3,755 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,755 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.