| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $101K | $32K | $133K | 2.22% |
| PARTNERS FIN INS AGENCY INC3 | 340 MADISON AVENUE, 21ST FLOOR NEW YORK CITY, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56K | $21K | $77K | 7.28% |
| KESTRA INVESTMENT SERVICES LLC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $349 | $28K | 3.26% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 Filed as: JOSEPH G PULITANO INS AGENCY | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.25% |
| HENRIK LARSEN3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| JOE PULITANO AGENCY, INC.3 Filed as: JOE PULITANO AGENCY INC | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $23K | — | $23K | 5.95% |
| HENRICK LARSEN3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $19K | — | $19K | 4.95% |
| AMERICAN INS MKTG SVCS, INC3 Filed as: AMERICAN INS MKTG SVCS | 4240 CARMICHAEL ROAD MONTGOMERY, AL 36106 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 2.65% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 Filed as: JOSEPH PULITANO | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.59% |
| TGA CROSS INSURANCE3 Filed as: TGA CROSS INSURANCE INC | PO BOX 1388 BANGOR, ME 04402 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $5K | — | $5K | 7.88% |
| AMERICAN INS MKTG SVCS, INC3 Filed as: AMERICAN INS MKTG SVCS | 4240 CARMICHAEL ROAD MONTGOMERY, AL 36106 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $2K | — | $2K | 2.36% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 Filed as: JOSEPH PULITANO | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $1K | — | $1K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | EYEMED | $3K | — | $3K | 11.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 2.14% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 918 | $6.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 918 | $6.0M |
| Vision | EYEMED | 400 | $23K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 360 | $1.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 360 | $1.1M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 918 | $6.0M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 360 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 918 | — |
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.