| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $40K | $10K | $50K | 2.57% |
| INDIGO INSURANCE SERVICES3 | NOT PROVIDED BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 7.09% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | NOT PROVIDED NORWELL, MA 02061 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.05% |
| TINA WRIGHT3 | NOT PROVIDED MEDWAY, MA 02053 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $841 | — | $841 | 0.76% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | AN ALERA GROUP AGENCY 120 LONGWATER DR STE 102 NORWELL, MA 02061 | VISION SERVICE PLAN | $498 | — | $498 | 5.80% |
| TINA WRIGHT3 | 308 W CENTRAL ST STE D FRANKLIN, MA 02038 | VISION SERVICE PLAN | $298 | — | $298 | 3.47% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 217 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 217 | $1.9M |
| Vision | VISION SERVICE PLAN | 79 | $9K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 139 | $111K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 139 | $111K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 139 | $111K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 217 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.