| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $47K | $18K | $65K | 2.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $14K | $13K | $27K | 5.75% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | USABLE LIFE | $71K | — | $71K | 21.76% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 | 11 ELKINS STREET SUITE 450 BOSTON, MA 02127 | USABLE LIFE | — | $351 | $351 | 0.11% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | USABLE LIFE | $11K | — | $11K | 21.70% |
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 | 395 | 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) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 418 | $3.2M |
| Vision(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 418 | $3.2M |
| Life insurance(2 contracts) | USABLE LIFE | 395 | $376K |
| Short-term disability(2 contracts) | USABLE LIFE | 395 | $376K |
| Long-term disability(2 contracts) | USABLE LIFE | 395 | $376K |
| Other(2 contracts) | USABLE LIFE | 395 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.