| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | $60K | $12K | $72K | 1.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, INC | UNKNOWN METHUEN, MA 01844 | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | $44K | $0 | $44K | 0.65% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | HARTFORD LIFE AND ACCIDENT | $14K | $113 | $14K | 9.13% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $6K | $6K | $12K | 8.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 3.42% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | -$7K | $0 | -$7K | -4.82% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.50% |
| HAYS COMPANIES, INC.3 | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.26% |
| UNIQUE BENEFITS GROUP INC4 Filed as: UNIQUE BBENEFITS GROUP, INC. | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $385 | $0 | $385 | 17.75% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $32 | $0 | $32 | 1.48% |
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 | 655 | 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) | 655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | 840 | $6.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | 840 | $6.8M |
| Vision | VISION SERVICE PLAN | 337 | $50K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 645 | $154K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 645 | $154K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 645 | $154K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. | 840 | $6.8M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 645 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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."
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.