| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMR BENEFITS MANAGEMENT, LLC3 Filed as: AMR BENEFITS MANAGEMENT,LLC | 210 HUMPHREY STREET, SUITE 107 MARBLEHEAD, MA 01945 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $79K | $6K | $86K | 1.37% |
| AMR BENEFITS MANAGEMENT, LLC3 | 210 HUMPHREY STREET, SUITE 107 MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37K | — | $37K | 6.68% |
| AMR BENEFITS MANAGEMENT, LLC3 | 210 HUMPHREY STREET, SUITE 107 MARBLEHEAD, MA 01945 | EYEMED VISON CARE B/O FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 10.80% |
| AMR BENEFITS MANAGEMENT, LLC3 | 210 HUMPHREY STREET, SUITE 107 MARBLEHEAD, MA 01945 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $701 | $12K | 33.99% |
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 | 493 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,019 | $6.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 979 | $35K |
| Vision | EYEMED VISON CARE B/O FIDELITY SECURITY LIFE INSURANCE COMPANY | 949 | $53K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 437 | $552K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 437 | $552K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 437 | $552K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,019 | $6.3M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 437 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,019 | — |
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.