| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MA, INC. | $244K | $62K | $306K | 2.31% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 10.98% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY ROAD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 10.98% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE | $34K | — | $34K | 11.45% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST RIDGE INSURNACE AGENCY, INC. | 155 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $146K | $2K | $148K | 55.18% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | HUMANA | $7K | — | $7K | 9.96% |
| JULIE GERSHON4 | 11 PADDOCK STREET WIIMINGTON, MA 01887 | PRE-PAID LEGAL SERVICES, INC. | $729 | — | $729 | 7.78% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | PRE-PAID LEGAL SERVICES, INC. | $367 | — | $367 | 3.92% |
| ROSE GERSHON-SCHNEIDER4 | 554 NW 97TH AVE PLANTATION, FL 33324 | PRE-PAID LEGAL SERVICES, INC. | $128 | — | $128 | 1.37% |
| JUDY JOHNSON4 | 5555 HIGHWAY 46 MIMS, FL 32754 | PRE-PAID LEGAL SERVICES, INC. | $26 | — | $26 | 0.28% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | ACE AMERICAN INSURANCE COMPANY | $285 | — | $285 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MA EIN 04-1045815 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $104K |
| WEST RIDGE INSURANCE AGENCY, INC. EIN 04-2391081 BROKER | Insurance agents and brokers Service code 22 | — | $39K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing; Participant communication Service code 12 | — | $22K |
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 | 1,162 | 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) | 1,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MA, INC. | 975 | $13.2M |
| Vision | HUMANA | 534 | $71K |
| Life insurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 1,162 | $562K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 1,162 | $562K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 1,162 | $562K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MA, INC. | 975 | $13.2M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,200 | $878K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,200 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.