| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INSURANCE AGENCY | UNKNOWN CANTON, MA 02021 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $23K | $0 | $23K | 3.34% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INSURANCE AGENCY | 434 ROUTE 134, SUITE F1 SOUTH DENNIS, MA 02660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 8.15% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.18% |
| BRUCH CROHN, LLC3 | 9 SOUTH STREET CHESTNUT HILL, MA 02467 | EYEMED VISION CARE | $372 | $0 | $372 | 9.61% |
| MAXWELL HEALTH3 | 101 TREMONT STREET, 11TH FLOOR BOSTON, MA 02108 | EYEMED VISION CARE | $37 | $0 | $37 | 0.96% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 360 | $686K |
| Vision | EYEMED VISION CARE | 65 | $4K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $160K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $160K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $160K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.