| 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. | $276K | $74K | $350K | 2.08% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | — | $38K | 10.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 10.99% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY ROAD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 10.99% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | — | $42K | 14.89% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 10.00% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 10.79% |
| JULIE GERSHON4 | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES, INC. | $1K | — | $1K | 9.97% |
| WEST RIDGE INSURANCE AGENCY, INC.3 | 155 FEDERAL STREET BOSTON, MA 02110 | PRE-PAID LEGAL SERVICES, INC. | $1K | — | $1K | 9.83% |
| JUDY JOHNSON4 | 5555 HIGHWAY 46 MIMS, FL 32754 | PRE-PAID LEGAL SERVICES, INC. | $129 | — | $129 | 0.92% |
| ROSE GERSHON-SCHNEIDER4 | 554 NW 97TH AVE PLANTATION, FL 33324 | PRE-PAID LEGAL SERVICES, INC. | $91 | — | $91 | 0.65% |
| 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 EIN 04-1045815 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $124K |
| HUMANA BEHAVIORAL HEALTH EIN 75-2043865 CONTRACT ADMINISTRATOR | Direct payment from the plan; Participant communication; Claims processing; Contract Administrator Service code 12 | — | $59K |
| WEST RIDGE INSURANCE AGENCY, INC. EIN 04-2391081 BROKER | Insurance agents and brokers Service code 22 | — | $46K |
| CIGNA BEHAVIORAL HEALTH EIN 41-1648670 CONTRACT ADMINISTRATOR | Participant communication; Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $23K |
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 | 1,390 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MA, INC. | 1,173 | $16.8M |
| Vision | HUMANA INSURANCE COMPANY | 859 | $105K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,368 | $280K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,390 | $242K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,390 | $378K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MA, INC. | 1,173 | $16.8M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,463 | $648K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,463 | — |
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.