| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 99 HIGH ST BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $228K | — | $228K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | DELTA DENTAL | $14K | — | $14K | 2.01% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INS. AGENCY INC. | 160 FEDERAL STREET FL. 12 BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $55K | — | $55K | 8.72% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INS. AGENCY INC. | 160 FEDERAL STREET FL. 12 BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $86K | — | $86K | 15.22% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN YOZELL | 175 FEDERAL ST FLOOR 12 BOSTON, MA 02110 | STANDARD INSURANCE | $58K | — | $58K | 11.27% |
| DISABILITY INSURANCE SVCS INC3 Filed as: DISABILITY INSURANCE SREVICES | 4444 ZION AVE SUITE B SAN DIEGO, CA 92120 | STANDARD INSURANCE | $47K | — | $47K | 9.10% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 9.31% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY INC | 175 FEDERAL ST. FL 12 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 9.31% |
| AON CONSULTING INC Filed as: AON CONSULTING, INC.-IL | PO BOX 905494 CHARLOTTE, NC 282905494 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | — | $9K | 5.00% |
| AOM CONSULTING - MIAMI3 | 1001 BRICKELL MAY DRIVE MIAMI, FL 33131 | CAREFIRST BLUECHOICE | $6K | $7 | $6K | 3.21% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMIN | 501 FAIRMONT AVENUE SUITE 400 TOWSON, MD 21284 | CAREFIRST BLUECHOICE | $0 | $2K | $2K | 1.34% |
| AON CONSULTING INC Filed as: AON CONSULTING, INC. -IL | P.O. BOX 905494 CHARLOTTE, NC 282905494 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | — | $8K | 4.99% |
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 | 996 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,668 | $11.6M |
| Dental | DELTA DENTAL | 1,232 | $672K |
| Life insurance | STANDARD INSURANCE COMPANY | 869 | $631K |
| Long-term disability | STANDARD INSURANCE COMPANY | 869 | $564K |
| Prescription drug | CAREFIRST BLUECHOICE | 50 | $176K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE | 546 | $862K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,668 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.