| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | — | $59K | 9.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 7.71% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $137 | $5K | 4.77% |
| MAGLIANO MICHAEL F3 | 4 FAIRWAY DRIVE PLYMOUTH, MA 02360 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $8K | — | $8K | 25.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $7K | — | $7K | 25.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $4K | — | $4K | 25.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $3K | — | $3K | 25.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $231 | — | $231 | 12.01% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $163 | — | $163 | 12.01% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $180 | — | $180 | 25.07% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $113K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $113K |
| Life insurance(2 contracts) | USABLE LIFE | 133 | $43K |
| Short-term disability | USABLE LIFE | 133 | $10K |
| Long-term disability | USABLE LIFE | 133 | $30K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $648K |
| Other(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.