| 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. | $98K | $35K | $133K | 1.88% |
| PARTNERS FIN INS AGENCY INC3 Filed as: PARTNERS FIN. INS. AGENCY, INC. | 340 MADISON AVENUE, 21ST FLOOR NEW YORK CITY, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | $8K | $65K | 5.54% |
| KESTRA INVESTMENT SERVICES LLC3 Filed as: KESTRA INVESTMENT SERVICES, LLC | 5707 SOUTHWEST PARKWAY SUITE 2, SUITE 400 AUSTIN, TX 78735 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $0 | $29K | 3.72% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 Filed as: JOSEPH G. PULITANO INS. AGENCY | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.33% |
| HENRICK LARSEN3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $709 | $0 | $709 | 0.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $66 | $66 | 0.01% |
| JOE PULITANO AGENCY, INC.3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 4.87% |
| HENRICK LARSEN3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 2.77% |
| AMERICAN INS. MARKETING SERVICES3 Filed as: AMERICAN INS. MKTG. SVCS. | 4240 CARMICHAEL ROAD MONTGOMERY, AL 36106 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.06% |
| GLOBAL COMMISSION FUNDING LLC3 Filed as: GLOBAL COMMISSION FUNDING | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.66% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 Filed as: JOSEPH PULITANO | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.57% |
| TGA CROSS INSURANCE3 Filed as: TGA CROSS INSURANCE, INC. | PO BOX 1388 BANGOR, ME 04402 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.91% |
| AMERICAN INS. MARKETING SERVICES3 Filed as: AMERICAN INS. MKTG. SVCS. | 4240 CARMICHAEL ROAD MONTGOMERY, AL 36106 | TRANSAMERICA PREMIER 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 PREMIER LIFE INSURANCE COMPANY | $737 | $0 | $737 | 0.74% |
| GLOBAL COMMISSION FUNDING LLC3 Filed as: GLOBAL COMMISSION FUNDING | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $610 | $0 | $610 | 0.61% |
| 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 | 9.16% |
| 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% |
| PARTNERS FIN INS AGENCY INC3 Filed as: PARTNERS FIN. INS. AGENCY, INC. | 340 MADISON AVENUE, 21ST FLOOR NEW YORK CITY, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $0 | $92 | 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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 904 | $7.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 904 | $7.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 435 | $35K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 374 | $2.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 374 | $1.2M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 904 | $7.1M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 374 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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.