| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 3 COPLEY PLACE SUITE 300 BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $92K | — | $92K | 0.88% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL IBC | 32 OLD SLIP NEW YORK, NY 10005 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $62K | — | $62K | 0.59% |
| CIBC INSURANCE SERVICES LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | CALIFORNIA PHYSICIANS SERVICE | $70K | — | $70K | 3.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INS AG | THREE COPLEY PLACE STE 300 BOSTON, MA 02116 | CALIFORNIA PHYSICIANS SERVICE | $31K | — | $31K | 1.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION OF MASS | 3 COPLEY PL STE 300 BOSTON, MA 02116 | AETNA LIFE INSURANCE CO. | — | $21K | $21K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | 26 CENTURY BLVD FLOOR 45 NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $7K | $18K | 1.89% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NC 10005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $5K | $8K | 0.83% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | VISION SERVICE PLAN | $4K | — | $4K | 3.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC (DC) | 47TH ST STE 90000 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 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 | 1,023 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,056 | 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. | 2,557 | $14.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,557 | $10.5M |
| Vision | VISION SERVICE PLAN | 801 | $132K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 927 | $965K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 927 | $965K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,557 | $14.9M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,237 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,557 | — |
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.