| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BROKERAGE INS. AGENCY LLC3 | 69 CARLETON ROAD BELMONT, MA 02478 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $65K | $3K | $68K | 2.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY., STE. 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | — | $3K | 0.12% |
| GROUP BROKERAGE INS. AGENCY LLC3 | 129 MOUNT AUBURN STREET CAMBRIDGE, MA 02138 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $7K | — | $7K | 4.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY., STE. 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $473 | — | $473 | 0.34% |
| GROUP BROKERAGE INS. AGENCY LLC3 | 69 CARLETON ROAD BELMONT, MA 02478 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.43% |
| JOHN FRANK SIRACUSA3 | 135 BEAVER ST., STE. 404 WALTHAM, MA 02452 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.07% |
| GROUP BROKERAGE INS. AGENCY LLC3 | 69 CARLETON ROAD BELMONT, MA 02478 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.88% |
| JOHN FRANK SIRACUSA3 | 135 BEAVER ST., STE. 404 WALTHAM, MA 02452 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $674 | — | $674 | 1.62% |
| GROUP BROKERAGE INS. AGENCY LLC3 | 69 CARLETON ROAD BELMONT, MA 02478 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.72% |
| JOHN FRANK SIRACUSA3 | 135 BEAVER ST., STE. 404 WALTHAM, MA 02452 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $215 | — | $215 | 1.28% |
| GROUP BROKERAGE INS. AGENCY LLC3 | 69 CARLETON ROAD BELMONT, MA 02478 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 11.87% |
| JOHN FRANK SIRACUSA3 | 135 BEAVER ST., STE. 404 WALTHAM, MA 02452 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $340 | — | $340 | 3.12% |
| JOHN FRANK SIRACUSA3 | 69 CARLETON ROAD BELMONT, MA 02478 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | $908 | — | $908 | 9.12% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 372 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 312 | $140K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | 143 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $94K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $41K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
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.