| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $89K | $33K | $121K | 2.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | — | $114 | $114 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP ADVISOR SERVICES LLC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $7K | $38K | 4.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE FL 21 ATTN ACCOUNTING NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $116 | $116 | 0.01% |
| PARTNERS FIN INS AGENCY INC3 | NFP CORPORATE SERVICES NY 340 MADISON AVE, 21ST FL NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $14K | $55K | 6.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $11K | — | $11K | 2.57% |
| JOE PULITANO AGENCY, INC.3 Filed as: JOE PULITANO AGENCY INC. | 214 LINCOLN ST. STE 110 ALLSTON, MA 02134 | TRANSAMERICA LIFE INSURANCE CO | $26K | — | $26K | 6.75% |
| HENRIK LARSEN3 Filed as: HENRIK LARSON | 214 LINCOLN STREET STE 110 ALLSTON, MA 02134 | TRANSAMERICA LIFE INSURANCE CO | $24K | — | $24K | 6.10% |
| AMERICAN INS MKTG SVCS, INC3 Filed as: AMERICAN INS MKTG SVCS | 101 TECHNACENTER DR MONTGOMERY, AL 36117 | TRANSAMERICA LIFE INSURANCE CO | $11K | — | $11K | 2.82% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 Filed as: JOSEPH PULITANO | 214 LINCOLN ST. STE 110 ALLSTON, MA 02134 | TRANSAMERICA LIFE INSURANCE CO | $7K | — | $7K | 1.69% |
| TGA CROSS INSURANCE3 Filed as: TGA CROSS INSURANCE INC. | 74 GILMAN ROAD BANGOR, ME 04401 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $5K | — | $5K | 8.06% |
| AMERICAN INS MKTG SVCS, INC3 Filed as: AMERICAN INS MKTG SVCS | 101 TECHNACENTER DR MONTGOMERY, AL 36117 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 Filed as: JOSEPH PULITANO | 214 LINCOLN ST STE 10 ALLSTON, MA 02134 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $2K | — | $2K | 2.34% |
| PARTNERS FIN INS AGENCY INC3 | NFP CORPORATE SERVICES NY 340 MADISON AVE, 21ST FL NEW YORK CITY, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $473 | $5K | 16.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | EYEMED VISION CARE | $3K | — | $3K | 9.86% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 Filed as: JOSEPH PULITANO | JOSEPH G. PULITANO INS AGENCY 214 LINCOLN ST, STE 110 ALLSTON, MA 02134 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.31% |
| HENRIK LARSEN3 | JOSEPH G. PULITANO INS AGENCY 214 LINCOLN ST, STE 110 ALLSTON, MA 02134 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.03% |
| PARTNER FIN INS AGENCY INC3 | NFP CORPORATE SERVICES NY 340 MADISON AVE, 21ST FL NEW YORK, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 2.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | TUFTS HEALTH PLAN MEDICARE PREFERRED | $36 | — | $36 | 5.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | TUFTS HEALTH PLAN MEDICARE PREFERRED | $23 | — | $23 | 5.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMINISTRATIVE SERVICE | Contract Administrator Service code 13 | — | $7K |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 874 | $4.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 902 | $431K |
| Vision | EYEMED VISION CARE | 370 | $26K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 353 | $1.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $819K |
| Other(7 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 353 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 902 | — |
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.