| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $105K | $31K | $136K | 2.03% |
| PARTNERS FIN INS AGENCY INC3 Filed as: PARTNERS FIN. INSURANCE AGENCY INC. | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $7K | $57K | 6.04% |
| KESTRA INVESTMENT SERVICES LLC3 Filed as: KESTRA INVESTMENT SERVICES, LLC | 5707 SOUTHWEST PARKWAY SUITE 2 AUSTIN, TX 78735 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 3.65% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 | 313 WASHINGTON STREET SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.32% |
| HENRIK LARSEN3 | 313 WASHINGTON STREET SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $41 | $41 | 0.01% |
| JOE PULITANO AGENCY, INC.3 | 313 WASHINGTON STREET SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 6.97% |
| HENRICK LARSEN3 | 313 WASHINGTON STREET SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 4.01% |
| AMERICAN INSURANCE MARKETING SVCS.3 | 4240 CARMICHAEL ROAD MONTGOMERY, AL 36106 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.29% |
| TRANSAMERICA AGENCYNETWORK, INC. Filed as: TRANSAMERICA WORKSITE MARKET | 6400 C STREET CEDAR RAPIDS, IA 52499 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.25% |
| TGA CROSS INSURANCE3 Filed as: TGA CROSS INSURANCE, INC. | PO BOX 1388 BANGOR, ME 04402 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.90% |
| AMERICAN INSURANCE MARKETING SVCS.3 | 4240 CARMICHAEL ROAD MONTGOMERY, AL 36106 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.52% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 Filed as: JOSEPH PULITANO | 313 WASHINGTON STREET SUITE 225 NEWTON, MA 02458 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | EYEMED VISION CARE | $3K | $0 | $3K | 9.28% |
| JOE PULITANO AGENCY, INC.3 | 313 WASHINGTON STREET SUITE 225 NEWTON, MA 02458 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 33.59% |
| HENRIK LARSEN3 | 313 WASHINGTON STREET SUITE 225 NEWTON, MA 02458 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 33.20% |
| TRANSAMERICA AGENCYNETWORK, INC.3 Filed as: TRANSAMERICA WORKSITE MARKETING | 6400 C STREET CEDAR RAPIDS, LA 52499 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $398 | $0 | $398 | 4.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK CITY, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $0 | $96 | 1.99% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 913 | $6.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 913 | $6.7M |
| Vision | EYEMED VISION CARE | 406 | $33K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 354 | $1.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 354 | $937K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 913 | $6.7M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 354 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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.