| 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, INC. | $102K | $27K | $129K | 1.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE, 21ST FLOOR NEW YORK CITY, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $8K | $62K | 6.06% |
| KESTRA INVESTMENT SERVICES LLC3 Filed as: KESTRA INVESTMENT SERVICES, LLC | 5707 SW PARKWAY, BUILDING 2 SUITE 400 AUSTIN, TX 78735 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $0 | $40K | 5.41% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.21% |
| HENRICK LARSEN3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $905 | $0 | $905 | 0.12% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 Filed as: JOSEPH PULITANO | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $756 | $0 | $756 | 0.10% |
| JOE PULITANO AGENCY, INC.3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 6.23% |
| HENRICK LARSEN3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 4.47% |
| AMERICAN INSURANCE MARKETING SVCS.3 | 4240 CARMICHAEL ROAD MONTGOMERY, AL 36106 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.09% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 Filed as: JOSEPH PULITANO | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.26% |
| TRANSAMERICA AGENCYNETWORK, INC.3 Filed as: TRANSAMERICA WORKSITE MARKET | 6400 C STREET CEDAR RAPIDS, IA 52499 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.29% |
| TGA CROSS INSURANCE3 Filed as: TGA CROSS INSURANCE, INC. | PO BOX 1388 BANGOR, ME 04402 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.90% |
| AMERICAN INSURANCE MARKETING SVCS.3 | 4240 CARMICHAEL ROAD MONTGOMERY, AL 36106 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.51% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 Filed as: JOSEPH PULITANO | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.93% |
| JOE PULITANO AGENCY, INC.3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $550 | $0 | $550 | 6.99% |
| HENRICK LARSEN3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $393 | $0 | $393 | 5.00% |
| TRANSAMERICA AGENCYNETWORK, INC.3 Filed as: TRANSAMERICA WORKSITE MARKET | 6400 C STREET CEDAR RAPIDS, IA 52499 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $83 | $0 | $83 | 1.06% |
| 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 | $97 | $0 | $97 | 2.01% |
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 | 375 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 923 | $7.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 923 | $7.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 434 | $30K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 375 | $1.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 375 | $1.0M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 923 | $7.2M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 375 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 923 | — |
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.