| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET SUITE 5500 WOBURN, MA 01801 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $88K | — | $88K | 1.49% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET SUITE 5500 WOBURN, MA 01801 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $10K | — | $10K | 2.57% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET SUITE 5500 WOBURN, MA 01801 | SYMETRA LIFE INSURANCE COMPANY | $15K | $17K | $32K | 12.17% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET SUITE 205 WARWICK, RI 02886 | VISION SERVICE PLAN | $1K | — | $1K | 5.41% |
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 | 888 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 884 | $5.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 888 | $399K |
| Vision | VISION SERVICE PLAN | 180 | $21K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 684 | $266K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 684 | $266K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 684 | $266K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 684 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 888 | — |
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.