| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 77 ACCORD PARK DRIVE NORWELL, MA 02061 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $54K | $12K | $66K | 2.06% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY, SUITE 400 WAKEFIELD, MA 01880 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 8.23% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $100 | $3K | 6.56% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 6.35% |
| DB INSURANCE INC3 Filed as: DB INSURANCE INC. | 26 HOURIHAN STREET, UNIT 2 BEVERLY, MA 01915 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $556 | $20 | $576 | 1.36% |
| JEFFREY L. GRIOT3 | PO BOX 178 NEW PORT, RI 02840 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $540 | $0 | $540 | 1.28% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE NETWORK OF NEW ENGLAND | PO BOX 178 NEW PORT, RI 02840 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $328 | $0 | $328 | 0.77% |
| MJ INSURANCE3 Filed as: JUDITH K PROTEAU AND VARIOUS AGENTS | 30 LAFAYETTE DRIVE MARLBORO, MA 01752 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $285 | $20 | $305 | 0.72% |
| MAUREEN GILLIGAN3 | 4 INDEPENDENCE WAY FRANKLIN, MA 02038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 0.27% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 7.71% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 400 | $3.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 400 | $3.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 196 | $32K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 184 | $152K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 184 | $152K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 184 | $109K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 400 | $3.2M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 184 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.