| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $111K | $30K | $141K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $9K | $0 | $9K | 2.71% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INS AGENCY | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $7K | 4.74% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INS AGENCY | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $834 | $5K | 5.27% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INS AGENCY | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $734 | $9K | 10.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $1K | $0 | $1K | 4.93% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INS AGENCY | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $614 | $37 | $651 | 15.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $196 | $4 | $200 | 7.91% |
| STEPHEN QUITADAMO3 | 3 KELLY STREET AUBURN, MA 01501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $128 | $5 | $133 | 5.26% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $8 | $62 | 2.45% |
| DONNA G MOLET3 | 58 SKY LANE LEOMINSTER, MA 01453 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.79% |
| SUSAN ANN NORQUIST3 | 14 BEECHWOOD DRIVE RUTLAND, MA 01543 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.12% |
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 | 495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 643 | $4.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 705 | $324K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 586 | $30K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 495 | $168K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 495 | $140K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 643 | $4.9M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 495 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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.