| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLANS | 2 COMMERCIAL STREET STE. 101 SHARON, MA 02067 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $180K | — | $180K | 3.01% |
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST BENEFIT PLANS INC. | 2 COMMERCIAL STREET, SUITE 101 SHARON, MA 02067 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $10K | — | $10K | 2.64% |
| EAST COAST BENEFIT PLANS, INC.3 | 2 COMMERCIAL STREET, SUITE 101 SHARON, MA 02067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 18.10% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFITS SERVICES INC. | 100 SUNNYSIDE BLVD WOODBURY, NY 117972925 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 6.90% |
| EAST COAST BENEFIT PLANS, INC.3 | 2 COMMERCIAL STREET, STE.101 SHARON, MA 02067 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.31% |
| ALFRED J HEALY3 | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| VOLUNTARY BENEFITS SVCS INC3 Filed as: VOLUNTARY BENEFIT SVCS INC | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.56% |
| LORI ANN MARTINEZ3 Filed as: LORI FANEUF MCCASSIE | 12 BALLARD ST. OXFORD, MA 01540 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $399 | — | $399 | 0.84% |
| EAST COAST BENEFIT PLANS, INC.3 | 2 COMMERCIAL ST., SUITE 101 SHARON, MA 02067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.22% |
| JAMES MICHAEL ANZA3 | 579 LANCASTER AVE, APT C BENWYN, PA 19038 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.11% |
| EAST COAST BENEFIT PLANS, INC.3 | 2 COMMERCIAL STREET, SUITE 101 SHARON, MA 02067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 18.14% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFITS SERVICES INC | 100 SUNNYSIDE BLVD WOODBURY, NY 117972925 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.86% |
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 | 834 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 845 | $6.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,005 | $386K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 834 | $96K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $101K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 834 | $55K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 834 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,005 | — |
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.