| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BP BENEFITS, LLC3 | 117 KENDRICK ST SUITE 300 NEEDHAM, MA 02494 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $147K | — | $147K | 0.66% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $18K | $113K | $131K | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS OF NORTHEAST, INC | PO BOX 416672 BOSTON, MA 02241 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $54K | — | $54K | 0.25% |
| PFG BENEFITS, INC.3 | 117 KENDRICK STREET SUITE 300 NEEDHAM, MA 02494 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $19K | — | $19K | 1.51% |
| PFG BENEFITS, INC.3 | 117 KENDRICK STREET SUITE 300 NEEDHAM, MA 02494 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 1.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 1.12% |
| PFG BENEFITS, INC.3 Filed as: PFG BENEFITS | 117 KENDRICK STREET SUITE 300 NEEDHAM, MA 02494 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 2.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 10 STATE STREET FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 1.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.18% |
| PFG BENEFITS, INC.3 | 117 KENDRICK STREET SUITE 300 NEEDHAM, MA 02494 | RELIANCE LIFE INSRUANCE COMPANY | $4K | — | $4K | 2.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSRUANCE COMPANY | $2K | — | $2K | 1.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSRUANCE COMPANY | $2K | — | $2K | 1.12% |
| PFG BENEFITS, INC.3 | 117 KENDRICK ST SUITE 300 NEEDHAM, MA 02494 | EYEMED | $6K | — | $6K | 5.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | PO BOX 414965 BOSTON, MA 02241 | EYEMED | $4K | — | $4K | 3.62% |
| PFG BENEFITS, INC.3 | 117 KENDRICK STREET SUITE 300 NEEDHAM, MA 02494 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 10 STATE HOUSE STREET FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $897 | — | $897 | 4.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $218 | — | $218 | 0.99% |
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 | 1,846 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,401 | $22.2M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 3,226 | $1.2M |
| Vision | EYEMED | 1,865 | $101K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,058 | $377K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,058 | $213K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,401 | $22.2M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,058 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,226 | — |
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.