| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $23K | $4K | $27K | 2.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $12K | — | $12K | 1.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER AS | 470 ATLANTIC AVE FL 13 BOSTON, MA 02210 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $8K | — | $8K | 11.99% |
| INDIGO INSURANCE SVC3 | 5TH FLOOR 446 MAIN STREET WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.01% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL STREET NATICK, MA 01760 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $472 | — | $472 | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER & ASSOCIATES | 470 ATLANTIC AVE BOSTON, MA 02110 | EYE MED | $368 | — | $368 | 6.55% |
| EASTERN BENEFITS GROUP3 Filed as: EASTERN BENEFITS GROUP LLC | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | EYE MED | $140 | — | $140 | 2.49% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $2K | — | $2K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $2K | — | $2K | — |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 105 | $982K |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 107 | $0 |
| Vision | EYE MED | 83 | $6K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 172 | $64K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 172 | $64K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 172 | $64K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 105 | $982K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 172 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.