| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS PARTNERS, INC. | 330 COCHITUATE ROAD, UNIT 761 FRAMINGHAM, MA 01701 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $24K | $0 | $24K | 1.78% |
| JOHN FOLEY3 | 330 COCHITUATE ROAD, UNIT 761 FRAMINGHAM, MA 01701 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $12K | $0 | $12K | 0.86% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $12K | $0 | $12K | 0.86% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 410 UNIVERSITY AVENUE WESTWOOD, MA 02090 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 10.51% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 7.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 4.75% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 7.00% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS PARTNERS, INC. | 330 COCITUATE ROAD, UNIT 761 FRAMINGHAM, MA 01701 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 4.76% |
| JOHN LEE CHARRETTE3 Filed as: JOHN F. FOLEY | 330 COCHITUATE ROAD, UNIT 761 FRAMINGHAM, MA 01701 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 4.15% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 410 UNIVERSITY AVENUE WESTWOOD, MA 02090 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 2.33% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $0 | $138 | $138 | 0.29% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS PARTNERS, INC. | 330 COCHITUATE ROAD, UNIT 761 FRAMINGHAM, MA 01701 | HUMANA INSURANCE COMPANY | $332 | — | $332 | 4.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | HUMANA INSURANCE COMPANY | $247 | — | $247 | 3.21% |
| JOHN LEE CHARRETTE3 Filed as: JOHN F. FOLEY | 330 COCHITUATE ROAD, UNIT 761 FRAMINGHAM, MA 01701 | HUMANA INSURANCE COMPANY | $191 | — | $191 | 2.48% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 168 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 168 | $1.4M |
| Vision | HUMANA INSURANCE COMPANY | 69 | $8K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 152 | $116K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 152 | $116K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 152 | $116K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 168 | $1.4M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 152 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.