| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF MA | PO BOX 55917 BOSTON, MA 02205 | BCBS OF MA | $157K | $0 | $157K | 13.22% |
| JOSEPH A. GUYTON3 | ONE NEW HAMPSHIRE AVE. SUITE 122 PORTSMOUTH, NH 03801 | BCBS OF MA | $48K | $0 | $48K | 4.00% |
| WELLESLEY INSURANCE AGENCY3 Filed as: WELLESLEY INSURANCE AGENCY, INC. | P.O. BOX 475 WESTON, MA 02493 | BCBS OF MA | $48K | $0 | $48K | 4.00% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINES SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, MA 03032 | BCBS OF MA | $8K | $0 | $8K | 0.69% |
| STEPHEN J. BELL3 Filed as: STEPHEN J BELL | 94 COCHITUATE RD WAYLAND, MA 01778 | GUARDIAN | $4K | $0 | $4K | 2.17% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK | 5 DARTMOUTH DRIVE AURBURN, NH 03032 | GUARDIAN | $2K | $0 | $2K | 0.92% |
| STEPHEN J. BELL3 Filed as: STEPHEN J BELL | 94 COCHITUATE RD WAYLAND, MA 01778 | GUARDIAN | $3K | $0 | $3K | 2.75% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | GUARDIAN | $1K | $0 | $1K | 1.47% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF MA | 286 | $1.2M |
| Dental(2 contracts) | GUARDIAN | 275 | $306K |
| Vision(2 contracts) | GUARDIAN | 275 | $306K |
| Life insurance | BCBS OF MA | 286 | $1.2M |
| Stop-loss / reinsurancereinsurance | BCBS OF MA | 286 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.