| 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. | $239K | $70K | $310K | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO. | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $12K | — | $12K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO. | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $8K | — | $8K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | ARMADACARE | $3K | — | $3K | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO. | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $6K | — | $6K | 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 | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $159 | — | $159 | 0.27% |
| S FARGIORGIO AGENCY INC.3 | 872 PARK AVE CRANSTON, RI 02910 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY, LLC CO. | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $883 | — | $883 | 11.47% |
| JULIE GERSHON4 | 7 CAPOSZZI CIR WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $717 | — | $717 | 9.31% |
| KIMBERLY FERRIS4 | 48 BERNHARDT DR AMHURST, NY 14226 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $36 | — | $36 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | FOUR EVER LIFE INS CO | $662 | $529 | $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 | $350 | $32 | $382 | 16.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | ZURICH AMERICAN INSURANCE COMPANY | $322 | — | $322 | 14.99% |
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 | 930 | 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) | 936 | 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. | 713 | $12.2M |
| Vision | VISION SERVICE PLAN | 387 | $60K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 930 | $538K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 926 | $267K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 713 | $12.0M |
| Other(5 contracts, 5 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 930 | $486K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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.