| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN, LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $44K | $2K | $46K | 13.58% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $13K | $2K | $16K | 11.54% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $9K | $1K | $10K | 11.59% |
| BRUCE CROHN LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $13K | $1K | $14K | 16.59% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | EYEMED VISION CARE O/B/O FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.55% |
| BRUCE CROHN LLC3 Filed as: BRUCE CROHN. LLC | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | EYEMED VISION CARE O/B/O FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASS EIN 04-1045815 CLAIMS PROCESSOR | Claims processing Service code 12 | LANDMARK CENTER 401 PARK DRIVE BOSTON, MA 02215 | $268K |
| DELTA DENTAL OF MASSACHUSETTS EIN 04-6143185 CLAIMS PROCESSOR | Claims processing Service code 12 | 465 MEDFORD STREET BOSTON, MA 02129 | $49K |
| BRUCE CROHN LLC BROKER | Insurance agents and brokers Service code 22 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | $0 |
| HILB GROUP OF NEW ENGLAND LLC BROKER | Insurance agents and brokers Service code 22 | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | $0 |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE O/B/O FIDELITY SECURITY LIFE INSURANCE COMPANY | 616 | $34K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 384 | $135K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 384 | $88K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 384 | $84K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 847 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 847 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.