| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | PO BOX 416672 BOSTON, MA 022416672 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $44K | $26K | $70K | 0.85% |
| E B S INSURANCE BRKRS, INC.3 | 1 GATEWAY CTR, STE 650 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $69K | — | $69K | 0.83% |
| PAUL ROONEY3 | ONE GATEWAY CENTER, STE 650 NEWTON, MA 02458 | BLUE SHIELD OF CALIFORNIA | $26K | — | $26K | 2.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLILS OF MASSACHUSETTS | THREE COPLEY PLACE SUITE 300 BOSTON, MA 02116 | BLUE SHIELD OF CALIFORNIA | $24K | — | $24K | 2.40% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 Filed as: SUMMIT FIN. INS. AG. | 7 NEW ENGLAND EXEC. PARK SUITE 220 BURLINGTON, MA 01803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 1.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | 26 CENTURY BLVD FLOOR 4S NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $794 | $2K | $3K | 0.78% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 Filed as: SUMMIT FIN. INS. AG. | 7 NEW ENGLAND EXEC. PARK SUITE 220 BURLINGTON, MA 01803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $746 | $6K | 3.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | 26 CENTURY BLVD FLOOR 4S NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $678 | $878 | $2K | 0.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | 26 CENTURY BLVD FLOOR 4S NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $752 | $10K | 7.64% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK INC. | 2122 KRATKY RD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $598 | $6K | 4.48% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 Filed as: SUMMIT FIN. INS. AG. | 7 NEW ENGLAND EXEC. PARK STE 220 BURLINGTON, MA 01803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $257 | $5K | 4.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | PO BOX 416672 BOSTON, MA 022416672 | VISION SERVICE PLAN | $3K | — | $3K | 5.02% |
| EBS INSURANCE BROKERS3 Filed as: EBS INS. BRKRS, INC. | 1 GATEWAY CTR, STE 650 NEWTON, MA 024582834 | VISION SERVICE PLAN | $3K | — | $3K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOC. INS. BRK. | 470 ATLANTIC AVENUE BOSTON, MA 022100000 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 626 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,592 | $9.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,592 | $8.3M |
| Vision | VISION SERVICE PLAN | 403 | $67K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 626 | $354K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 622 | $171K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 170 | $1.5M |
| Other(6 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 688 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,592 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.