| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $156K | $37K | $193K | 2.48% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE COMPANY INC. | 155 FEDERAL STREET BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 2.99% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $31K | — | $31K | 5.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $4K | $26K | 17.64% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN YOZELL | WEST RIDGE INSURANCE AGENCY, INC. 155 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.75% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN YOZELL | WEST RIDGE INSURANCE AGENCY, INC. 155 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | EYE MED | $4K | — | $4K | 9.91% |
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 | 763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 582 | $8.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 681 | $618K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 700 | $1.1M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 763 | $145K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 763 | $81K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 763 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.