| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDIGO INSURANCE SERVICES3 | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | USABLE LIFE | $89K | — | $89K | 20.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $10K | — | $10K | 9.26% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET, 3RD FLOOR BOSTON, MA 02109 | VISION SERVICE PLAN | $10 | — | $10 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 6.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, SUITE 3000 SEATTLE, WA 98101 | METROPOLITAN GENERAL INSURANCE COMPANY | $657 | $0 | $657 | 3.29% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET, 3RD FLOOR BOSTON, MA 02109 | METROPOLITAN GENERAL INSURANCE COMPANY | $162 | $0 | $162 | 0.81% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1620 FIFTH AVENUE SAN DIEGO, CA 92101 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $149 | $149 | 0.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B-200 AUSTIN, TX 78746 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $33 | $33 | 0.17% |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 961 | $518K |
| Vision | VISION SERVICE PLAN | 371 | $104K |
| Life insurance | USABLE LIFE | 456 | $433K |
| Short-term disability | USABLE LIFE | 456 | $433K |
| Long-term disability | USABLE LIFE | 456 | $433K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 456 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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."
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.