| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH PLANS, INC.5 Filed as: HEALTH PLANS INC | 1500 WEST PARK DRIVE SUITE 350 WESTBOROUGH, MA 01581 | HCC LIFE INSURANCE COMPANY | $25K | $73K | $98K | 60.10% |
| ALLAN MCCLEAN3 | C/O LYNCH ASSOCIATES SUITE T2 535 BOYLSTON STREET BOSTON, MA 01581 | HCC LIFE INSURANCE COMPANY | $9K | — | $9K | 5.54% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS BLUE SHIELD OF MASS | 101 HUNTINGTON AVE SUITE 1300 BOSTON, MA 02199 | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS | — | $14K | $14K | 20.90% |
| ALLAN MCCLEAN3 | C/O LYNCH ASSOCIATES 535 BOYLSTON STREET SUITE T2 BOSTON, MA 02116 | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS | $4K | — | $4K | 5.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC EIN 04-2734278 THIRD PARTY ADMINISTRATOR | Claims processing; Other services Service code 12 | 1500 WEST PARK DRIVE WESTBOROUGH, MA 01581 | $116K |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 175 | $163K |
| Dental | BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS | 181 | $69K |
| Vision | HCC LIFE INSURANCE COMPANY | 175 | $163K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 175 | $163K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 175 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.