| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | DELTA DENTAL | $10K | — | $10K | 3.58% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | EYE MED VISION CARE | $3K | — | $3K | 10.73% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $362 | $1K | $2K | 71.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MA EIN 04-1045815 | Claims processing Service code 12 | — | $225K |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1 | $2K |
| Dental | DELTA DENTAL | 707 | $273K |
| Vision | EYE MED VISION CARE | 511 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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.