| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-NE | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $177K | $75K | $252K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVE STE #400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $62K | $0 | $62K | 6.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVE STE #400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $123K | $0 | $123K | 13.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: A MARSH & MCLENNAN AGENCY LLC | A MARSH MCLENNAN AGENCY LLC 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | $16K | $0 | $16K | 1.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | STANDARD INSURANCE COMPANY | $71K | $0 | $71K | 10.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | STANDARD INSURANCE COMPANY | $105K | $0 | $105K | 16.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | KAISER FOUNDATION HEALTH PLAN, INC. | $10K | $0 | $10K | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $0 | $48K | 9.70% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $0 | $48K | 9.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997352 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 1.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CAREFIRST BLUECHOICE, INC. | $0 | $7K | $7K | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | BOSTON, M 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $12K | $0 | $12K | 9.98% |
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 | 1,173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,746 | $19.2M |
| Dental | DELTA SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | 1,649 | $851K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,181 | $120K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 1,110 | $1.7M |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 1,069 | $1.6M |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,746 | $19.2M |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,141 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,746 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.