| 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. | $71K | — | $71K | 1.57% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET SUITE 5500 WOBURN, MA 01801 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $10K | — | $10K | 2.59% |
| JOHN GAUTREAUX3 Filed as: JOHN M GAUTREAUX | 935 JEFFERSON BLVD. 2ND FLOOR WARWICK, RI 02886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 3.00% |
| RICHARD P BEAULIEU JR3 Filed as: RICHARD P BEAULIEU JR. | 935 JEFFERSON BLVD. SUITE 2000 WARWICK, RI 02886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 3.00% |
| RICHARD P BEAULIEU JR3 Filed as: RICHARD P BEAULIEU JR. | 935 JEFFERSON BLVD. SUITE 2000 WARWICK, RI 02886 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET BUILDING B, SUITE 205 WARWICK, RI 02886 | VISION SERVICE PLAN | $1K | — | $1K | 5.13% |
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 | 895 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 895 | $4.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 887 | $388K |
| Vision | VISION SERVICE PLAN | 183 | $21K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 823 | $425K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 823 | $425K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 823 | $425K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 823 | $425K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.