| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | UNKNOWN UNKNOWN, MA 02199 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $248K | $52K | $300K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $19K | $23K | 3.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | UNKNOWN BOSTON, MA 02199 | ARMADA CARE | $3K | $0 | $3K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $149 | $0 | $149 | 0.28% |
| S FARGIORGIO AGENCY INC.3 Filed as: S FARGIORGIO AGENCY INC | 872 PARK AVE CRANSTON, RI 02910 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | $0 | $64 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $562 | $0 | $562 | 7.72% |
| UNIQUE BENEFITS GROUP INC4 | 7 CAPOZZI CIR WOBURN, MA 01801 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $436 | $0 | $436 | 5.99% |
| KIMBERLY FERRIS4 | 48 BERNHARDT DR AMHERST, NY 14226 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $39 | $0 | $39 | 0.54% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE STE 1300 BOSTON, MA 02199 | FOUR EVER LIFE INS CO. | $649 | $519 | $1K | 18.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 011997652 | ZURICH AMERICAN INSURANCE COMPANY | $322 | $0 | $322 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $45 | $45 | — |
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 | 868 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 875 | 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. | 1,596 | $12.5M |
| Vision | VISION SERVICE PLAN | 417 | $61K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,848 | $826K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,848 | $708K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,596 | $12.2M |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,848 | $771K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,848 | — |
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.