| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COSTELLO BENEFITS GROUP3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $33K | — | $33K | 2.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BKGE DBA RISK STRATAGIES CO | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $26K | — | $26K | 1.60% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $6K | $11K | $17K | 1.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $12K | — | $12K | 0.74% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INSURANCE B | 800 WEST CUMMINGS PARK SUITE 4000 WOBURN, MA 01801 | HARTFORD LIFE AND ACCIDENT | $8K | $2K | $10K | 20.43% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 5.74% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 3.59% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INSURANCE B | 800 WEST CUMMINGS PARK SUITE 4000 WOBURN, MA 01801 | HARTFORD LIFE AND ACCIDENT | $7K | $3K | $10K | 24.20% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 5.77% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 3.50% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INSURANCE B | 800 WEST CUMMINGS PARK SUITE 4000 WOBURN, MA 01801 | HARTFORD LIFE AND ACCIDENT | $6K | $2K | $8K | 23.31% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 5.79% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 3.45% |
| COSTELLO BENEFITS GROUP3 | 800 WEST CUMMINGS PARK SUITE 4000 WOBURN, MA 01801 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 16.73% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN STREET 5H FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $691 | $691 | 5.86% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GORUP, INC | 80 S 8TH STREET SUITE 700 MINEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $386 | — | $386 | 3.27% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INSURANCE | 800 WEST CUMMINGS PARK SUITE 6 WOBURN, MA 018016372 | HUMANA INSURANCE COMPANY | $892 | — | $892 | 8.09% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 1126 16TH ST STE 1710 DENVER, CO 80202 | HUMANA INSURANCE COMPANY | $232 | — | $232 | 2.10% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INSURANCE B | 800 WEST CUMMINGS PARK SUITE 4000 WOBURN, MA 01801 | HARTFORD LIFE AND ACCIDENT | $82 | — | $82 | 16.60% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $29 | $29 | 5.87% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $17 | — | $17 | 3.44% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 148 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 148 | $1.6M |
| Vision | HUMANA INSURANCE COMPANY | 95 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 146 | $40K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 148 | $48K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 146 | $36K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 148 | $1.6M |
| Other(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 148 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.