| 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. | $129K | $39K | $167K | 1.82% |
| PARTNERS FINANCIAL INS. AGENCY, INC3 | 340 MADISON AVENUE, 21ST FLOOR NEW YORK CITY, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70K | $10K | $80K | 6.00% |
| KESTRA INVESTMENT SERVICES LLC3 Filed as: KESTRA INVESTMENT SERVICES, LLC | 5707 SOUTHWEST PARKWAY, SUITE 2 SUITE 400 AUSTIN, TX 78735 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 4.09% |
| JOE PULITANO AGENCY, INC.3 Filed as: JOE G. PULITANO INS. AGENCY | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.34% |
| HENRICK LARSEN3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $720 | $0 | $720 | 0.09% |
| JOE PULITANO AGENCY, INC.3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 3.11% |
| AMERICAN INSURANCE MARKETING SVCS.3 Filed as: AMERICAN INSURANCE MARKETING SERV. | 4240 CARMICHAEL ROAD MONTGOMERY, AL 36106 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.70% |
| HENRICK LARSEN3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.64% |
| GLOBAL COMMISSION FUNDING LLC3 Filed as: GLOBAL COMMISSION FUNDING, LLC | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.08% |
| BLTC FUNDING LLC3 Filed as: BLTC FUNDING, LLC | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.66% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE-WAKEFIELD, INC. | PO BOX 1388 BANGOR, ME 04402 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | $0 | $5K | 10.69% |
| JOE PULITANO AGENCY, INC.3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.15% |
| HENRICK LARSEN3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| BLTC FUNDING LLC3 Filed as: BLTC FUNDING, LLC | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $463 | $0 | $463 | 1.39% |
| PARTNERS FINANCIAL INS. AGENCY, INC3 | 340 MADISON AVENUE, 21ST FLOOR NEW YORK CITY, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 1.00% |
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 952 | $9.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 952 | $9.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 560 | $46K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 392 | $2.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 392 | $1.3M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 952 | $9.2M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 392 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 952 | — |
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.