| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN CAMBRIDGE, MA 02140 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $0 | $8K | $8K | 0.85% |
| LOCKTON COMPANIES, LLC3 | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $116K | $0 | $116K | 14.11% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $47K | $47K | 5.76% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $35K | $35K | 4.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 9.24% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $270 | $270 | 0.69% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $94 | $94 | 0.24% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS | $0 | $3 | $3 | 0.01% |
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 | 1,034 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,043 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 2,076 | $966K |
| Vision | VISION SERVICE PLAN | 593 | $116K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,063 | $824K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,063 | $824K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,063 | $863K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,076 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.