| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | PO BOX 5407 RICHMOND, VA 23220 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $41K | $5K | $47K | 3.38% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 11.37% |
| INDIGO INSURANCE SERVICES3 | UNKNOWN BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 7.68% |
| EASTERN BENEFITS GROUP3 | 1265 BELMONT STREET BROCKTON, MA 02301 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | $0 | $4K | 6.60% |
| EASTERN BENEFITS GROUP3 | PO BOX 5407 RICHMOND, VA 23220 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | $0 | $4K | 6.60% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $579 | $8 | $587 | 4.37% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $581 | $0 | $581 | 4.33% |
| MAUREEN GILLIGAN3 | 42 HOMESTEAD LANE YARMOUTH PORT, MA 02675 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $477 | $0 | $477 | 3.55% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE IPSWICH, MA 01938 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $46 | $63 | 0.47% |
| DB INSURANCE INC3 Filed as: DB INSURANCE, INC. | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $12 | $47 | 0.35% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 186 | $1.4M |
| Dental(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 186 | $1.4M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 150 | $127K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 150 | $127K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 150 | $127K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 186 | $1.4M |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 150 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.