| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEMAX, INC.3 Filed as: BENEMAX INC. | UNKNOWN WHITTENSVILLE, MA 01588 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | $13K | $17K | 1.05% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN WHITTENSVILLE, MA 01588 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $1K | $0 | $1K | 0.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.59% |
| VALLEY INSURANCE PARTNERS, INC.3 Filed as: VALLEY INSURANCE PARTNERS INC. | 1 PLUMMERS CORPORATION, SUITE 205 WHITINSVILLE, MA 01588 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.69% |
| DAVID J. FERREIRA INSURANCE3 Filed as: DAVID FERREIRA INSURANCE | 291 MAIN STREET, SUITE 8 MILFORD, MA 01757 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $241 | $0 | $241 | 1.92% |
| FRANK BARTUCCA3 | 114 FITZPATRICK ROAD GRAFTON, MA 01519 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $241 | $0 | $241 | 1.92% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | VISION SERVICE PLAN | $67 | $0 | $67 | 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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 374 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 374 | $1.6M |
| Vision | VISION SERVICE PLAN | 28 | $670 |
| Life insurance | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 251 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $55K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 374 | $1.6M |
| Other | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 251 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.