| 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 | $75K | — | $75K | 3.00% |
| MICHAEL GIANNATTASIO3 | 210 BROADWAY STE 102 LYNNFIELD, MA 01940 | UNITED OF OMAHA MUTUAL COMPANY | $4K | — | $4K | 6.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | THE HARTFORD | $7K | — | $7K | 10.23% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INS SERVICES LLC | 446 MAIN ST 5TH FL WORCESTER, MA 01608 | THE HARTFORD | $5K | — | $5K | 7.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN YOZELL | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $436 | — | $436 | 15.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN YOZELL | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $87 | $0 | $87 | 3.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET, SUITE 1100 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14 | — | $14 | 11.02% |
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 | 447 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 447 | $2.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 447 | $2.5M |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA MUTUAL COMPANY | 259 | $135K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3 | $127 |
| Long-term disability(2 contracts, 2 carriers) | THE HARTFORD | 259 | $107K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA MUTUAL COMPANY | 259 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.