| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO. | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $221K | $73K | $294K | 2.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO. | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $13K | $8K | $21K | 5.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO. | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $8K | $5K | $14K | 5.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 7.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $188 | — | $188 | 0.28% |
| S FARGIORGIO AGENCY INC.3 | 872 PARK AVE CRANSTON, RI 02910 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO. | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO. | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | VISION SERVICE PLAN | $2K | — | $2K | 3.50% |
| JULIE GERSHON3 | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $577 | — | $577 | 7.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO. | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $476 | — | $476 | 6.52% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS PAID 100 DOLLARS | — | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $120 | — | $120 | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | FOUR EVER LIFE INS CO | $682 | $546 | $1K | 18.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGDON AVE SUITE 401 BOSTON, MA 02199 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $385 | $42 | $427 | 16.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | ZURICH AMERICAN INSURANCE COMPANY | $324 | — | $324 | 15.02% |
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 | 872 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 699 | $11.1M |
| Vision | VISION SERVICE PLAN | 367 | $52K |
| Life insurance(3 contracts, 3 carriers) | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 872 | $520K |
| Long-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 869 | $259K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 699 | $11.1M |
| Other(5 contracts, 5 carriers) | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 872 | $479K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.