| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD INC. | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $48K | $7K | $54K | 2.91% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD INC. | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 8.71% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 4.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.94% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.18% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.67% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD INC. | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | HM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 210 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 210 | $1.9M |
| Vision | HM LIFE INSURANCE COMPANY | 117 | $11K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 134 | $125K |
| Short-term disability | STANDARD INSURANCE COMPANY | 134 | $82K |
| Long-term disability | STANDARD INSURANCE COMPANY | 134 | $82K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 210 | $1.9M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 134 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.