| 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 | $13K | $79K | 3.86% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MA | $6K | — | $6K | 3.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | RELIANCE STANDARD LIFE | $14K | $2K | $16K | 17.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN YOZELL | 155 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE | $3K | — | $3K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM STREET SUITE 300 DEDHAM, MA 02026 | RELIANCE STANDARD INSURANCE COMPANY | $9K | $2K | $11K | 12.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN YOZELL | 155 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $5K | $905 | $6K | 8.07% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $2K | — | $2K | 9.48% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MA | 198 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MA | 203 | $207K |
| Vision | EYEMED VISION CARE | 215 | $16K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE | 258 | $169K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 249 | $94K |
| Other | RELIANCE STANDARD LIFE | 249 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
No prospect flags tripped on this filing.