| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY | 200 BERKELEY STREET 23RD FLOOR BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $56K | $0 | $56K | 1.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 BERKELEY STREET 23RD FLOOR BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $16K | $345 | $16K | 0.37% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL, LLC | 200 BERKELEY STREET 23RD FLOOR BOSTON, MA 02116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $0 | $40K | 4.95% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 200 BERKELEY STREET 23RD FLOOR BOSTON, MA 02116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.82% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1375 KINGS HIGHWAY EAST SUITE 215 FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $2K | $30K | 8.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 699 BOYLSTON STREET 6TH FLOOR BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $776 | $11K | 3.11% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST SUITE 215 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $36K | $3K | $40K | 11.01% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INSURANCE SERVICES, LLC | 200 BERKELEY STREET, 23RD FLOOR BOSTON, MA 02116 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 2.58% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL, LLC | UNKNOWN MEDFORD, MA 02155 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 5.12% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | UNKNOWN MEDFORD, MA 02155 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 1.46% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS | 1375 KINGS HIGHWAY SUITE 125 FAIRFIELD, CT 06824 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.80% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 200 BERKELEY STREET FLOOR 23 BOSTON, MA 02116 | VISION SERVICE PLAN | $268 | $0 | $268 | 0.90% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 343 | 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 | 467 | $5.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 467 | $5.2M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $846K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 469 | $367K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,041 | $475K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $816K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,041 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,041 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.