| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING. LLC | UNKNOWN CAMBRIDGE, MA 02139 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $111K | — | $111K | 1.26% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $100K | — | $100K | 20.63% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS, LLC | 177 MILK STREET, 3RD FLOOR BOSTON, MA 02109 | VISION SERVICE PLAN | $11K | — | $11K | 9.99% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET, 3RD FLOOR BOSTON, MA 02109 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 9.08% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 401 UNION STREET, SUITE 3000 SEATTLE, WA 98101 | METROPOLITAN GENERAL INSURANCE COMPANY | $162 | $0 | $162 | 0.88% |
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 | 520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,080 | $8.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,080 | $8.8M |
| Vision | VISION SERVICE PLAN | 407 | $114K |
| Life insurance | USABLE LIFE | 517 | $487K |
| Short-term disability | USABLE LIFE | 517 | $487K |
| Long-term disability | USABLE LIFE | 517 | $487K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,080 | $8.8M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 517 | $505K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,080 | — |
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.