| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC NE | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $195K | $70K | $264K | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | $7K | $26K | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | ARMADA CARE | $3K | $0 | $3K | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUTINGTON AVE STE 401 BOSTON, MA 02199 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 11.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 18.67% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $844 | $844 | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC NE | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $1K | $0 | $1K | 5.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $639 | $0 | $639 | 4.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.34% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | MARSH MCLENNAN AGENCY LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.23% |
| UNIQUE BENEFITS GROUP INC4 | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $765 | $0 | $765 | 9.72% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY | A MARSH MCLENNAN AGENCY LLC CO 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $720 | $0 | $720 | 9.15% |
| KIMBERLY FERRIS4 | 48 BERNHARDT DR AMHERST, NY 14226 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $39 | $0 | $39 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | INDIGO INSURANCE SERVICES 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | FOUR EVER LIFE INS CO. | $649 | $519 | $1K | 18.01% |
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 | 1,422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,435 | 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. | 1,513 | $12.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 529 | $21K |
| Vision | VISION SERVICE PLAN | 430 | $62K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,428 | $838K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,428 | $741K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,513 | $11.7M |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,428 | $816K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,513 | — |
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.