| 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 MA | $66K | $11K | $77K | 4.65% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MA | $9K | — | $9K | 4.98% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD INSURANCE COMPANY | $8K | $575 | $9K | 10.72% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN YOZELL | 155 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE | $12K | $576 | $13K | 15.72% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN YOZELL | 155 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE | $2K | — | $2K | 3.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $5K | $773 | $5K | 8.25% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $909 | — | $909 | 9.05% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MA | 173 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MA | 178 | $175K |
| Vision | EYEMED VISION CARE | 125 | $10K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE | 210 | $146K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 204 | $80K |
| Other | RELIANCE STANDARD LIFE | 204 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.