| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY,INC. | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $61K | — | $61K | 3.20% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURANCE AGENCY,INC. | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.16% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN YOZELL | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.25% |
| MICHAEL GIANNATTASIO3 Filed as: MICHAEL A GIANNATTASIO | 210 BROADWAY STE 102 LYNNFIELD, MA 019402351 | UNITED OF OMAHA MUTUAL COMPANY | $4K | — | $4K | 8.57% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $696 | $184 | $880 | 20.50% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN YOZELL | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $139 | — | $139 | 3.24% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 348 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 348 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 348 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA MUTUAL COMPANY | 158 | $46K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1 | $56 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $48K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA MUTUAL COMPANY | 158 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.