| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $172K | — | $172K | 2.09% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS STE 206 BURLINGTON, MA 01803 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $34K | $6K | $40K | 0.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 470 ATLANTIC AVENUE BOSTON, MA 02210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $390 | $6K | 3.54% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 206 BURLINGTON, MA 01803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $400 | — | $400 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $354 | $4K | 2.93% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 206 BURLINGTON, MA 01803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $443 | — | $443 | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 470 ATLANTIC AVENUE BOSTON, MA 02210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $186 | $7K | 8.47% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 206 BURLINGTON, MA 01803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | VISION SERVICE PLAN | $1K | — | $1K | 2.40% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $362 | $31 | $393 | 4.41% |
| INSPRO INC3 Filed as: INSPRO, INC. | PO BOX 689 FREMONT, NE 68025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 2.25% |
| MA STILES LLC3 Filed as: MA STILES, LLC | 12223 CUMING STREET OMAHA, NE 68154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $176 | $5 | $181 | 2.03% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $3 | $58 | 0.65% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.64% |
| INSGROUP INC3 Filed as: FIRST INS. GROUP AND VARIOUS AGENTS | PO BOX 910 ALLIANCE, NE 69301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.37% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $6 | $27 | 0.30% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | 2220 NORTH 172ND AVENUE OMAHA, NE 68116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.16% |
| THOMAS W BOSTON3 Filed as: THOMAS D FULLER | 1830 BREND BLVD LINCOLN, NE 68506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.08% |
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 | 581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,644 | $8.2M |
| Vision | VISION SERVICE PLAN | 392 | $58K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 581 | $233K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 552 | $159K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,644 | $8.2M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 581 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,644 | — |
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."
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.