| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SENTINEL INSURANCE AGENCY, INC.3 | 100 QUANNAPOWITT PKWY, STE 300 WAKEFIELD, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $24K | $8K | $32K | 1.90% |
| UNIVERSAL BENEFITS PLANS3 | 896 BEACON STREET BOSTON, MA 02215 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $14K | — | $14K | 0.81% |
| INDIGO INSURANCE SERVICES3 | 446 MAIN STREET, 5TH FL WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $10K | — | $10K | 7.00% |
| EDANE E BARSHAN3 | 20 PARK PLAZA,STE 1401 BOSTON, MA 02116 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.34% |
| SENTINEL INSURANCE AGENCY, INC.3 | 100 QUANNAPOWITT PKWY, STE 300 WAKEFIELD, MA 01880 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.64% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 118 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 118 | $1.7M |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 138 | $150K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 138 | $150K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 138 | $150K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 138 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.