| 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. | $103K | $32K | $134K | 1.72% |
| PARTNERS FIN INS AGENCY INC3 Filed as: PARTNERS FIN. INSURANCE AGENCY INC. | 340 MADISON AVENUE, 21ST FLOOR NEW YORK CITY, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | $9K | $72K | 6.00% |
| KESTRA INVESTMENT SERVICES LLC3 | 5707 SW PARKWAY, SUITE 2, SUITE 400 AUSTIN, TX 78735 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 3.90% |
| JOESEPH G. PULITANO AGENCY3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.30% |
| HENRICK LARSEN3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $672 | $0 | $672 | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NEW YORK LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | $0 | $3 | 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 | $26K | $0 | $26K | 4.02% |
| HENRICK LARSEN3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 3.55% |
| BLTC FUNDING LLC3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | — | $12K | 1.80% |
| AMERICAN INS. MARKETING SERVICES3 | 4240 CARMICHAEL ROAD MONTGOMERY, AL 36106 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.76% |
| GLOBAL COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.12% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE-WAKEFIELD INC. | PO BOX 1388 BANGOR, ME 04402 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.64% |
| JOE PULITANO AGENCY, INC.3 Filed as: JOE PULITANO AGENCY INC. | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.56% |
| HENRICK LARSEN3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.84% |
| BLTC FUNDING LLC3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.60% |
| 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 | 9.95% |
| PARTNERS FIN INS AGENCY INC3 Filed as: PARTNERS FIN. INSURANCE AGENCY INC. | 340 MADISON AVENUE, 21ST FLOOR NEW YORK CITY, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 2.00% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 935 | $7.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 935 | $7.8M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 490 | $35K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 385 | $2.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 385 | $1.2M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 935 | $7.8M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 385 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 935 | — |
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.