| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC-NE | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $119K | $37K | $156K | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-NE | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $9K | $0 | $9K | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY , LLC | 101 HUNTINGTON AVENUE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.26% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INS AGENCY | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.33% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INSURANCE AGENC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.88% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INS AGENCY | ONE GRIFFIN BROOK DR METHUEN, MA 01844 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | $0 | $2K | 4.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $415 | $0 | $415 | 9.71% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INSURANCE AGENC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $226 | $0 | $226 | 5.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $14 | $201 | 8.20% |
| STEPHEN QUITADAMO3 | 3 KELLY ST AUBURN, MA 01501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $166 | $0 | $166 | 6.77% |
| RICHARD HASKINS3 | PO BOX 362 MILLBURY, MA 01527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $16 | $76 | 3.10% |
| LAURIE SEUBERT3 | 50 MAIN ST STE 200 EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $21 | $49 | 2.00% |
| J KING INSURANCE INC3 | 50 MAIN ST STE 200 EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $17 | $28 | 1.14% |
| DONNA G MOLET3 | 58 SKY LN LEOMINSTER, MA 01453 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.82% |
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 | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 640 | $5.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 695 | $326K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 561 | $36K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 461 | $190K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 439 | $155K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 640 | $5.6M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 461 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.