| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | THREE COPLEY PLACE SUITE 300 BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $183K | $96K | $279K | 1.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | PO BOX 416672 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $4K | $33K | 11.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | THREE COPLEY PLACE SUITE 300 BOSTON, MA 02116 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $11K | $1K | $13K | 7.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | THREE COPLEY PLACE SUITE 300 BOSTON, MA 02116 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | $950 | $9K | 6.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | PO BOX 416672 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 10.01% |
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 | 1,276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,040 | $15.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,040 | $15.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,425 | $287K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,276 | $183K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 537 | $138K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,425 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,425 | — |
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.