| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | THREE COPLEY PLACE, SUITE 300 BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $142K | $41K | $183K | 1.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | THREE COPLEY PLACE, SUITE 300 BOSTON, MA 02116 | CALIFORNIA PHYSICIANS SERVICE | $83K | — | $83K | 5.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 26 CENTURY BOULEVARD, 4TH FLOOR S NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY | $31K | $9K | $40K | 4.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | THREE COPLEY PLACE, SUITE 300 BOSTON, MA 02116 | AETNA LIFE INSURANCE COMPANY | — | $27K | $27K | 3.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | PO BOX 426672 BOSTON, MA 02241 | VISION SERVICE PLAN | $10K | — | $10K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ALTANTIC AVENUE BOSTON, MA 02210 | 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 | 909 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 921 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,321 | $12.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,321 | $9.5M |
| Vision | VISION SERVICE PLAN | 680 | $96K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 962 | $856K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 962 | $856K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,321 | $12.6M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY | 962 | $911K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,321 | — |
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.