| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 100 QUANNAPOWITT PKWY WAKEFIELD, MA 01880 | BLUE CROSS BLUE SHIELD OF MASS. | $187K | $88K | $275K | 1.89% |
| EASTERN INSURANCE3 | 100 QUANNAPOWITT PKWY WAKEFIELD, MA 01880 | DELTA DENTAL OF MASS. | $20K | $1K | $21K | 2.32% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 100 QUANNAPOWITT PKWY WAKEFIELD, MA 01880 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $16K | $30K | 3.24% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 100 QUANNAPOWITT PARKWAY, SUITE 400 WAKEFIELD, MA 01880 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 10.72% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 233 WEST CENTRAL STREET NATICK, MA 01760 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $3K | $21 | $3K | 10.12% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | P.O. BOX 4000 WAKEFIELD, MA 01880 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | — | $0 | 0.00% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | FEDERAL INSURANCE COMPANY | $405 | — | $405 | 15.00% |
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 | 1,372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 165 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASS. | 2,329 | $14.5M |
| Dental | DELTA DENTAL OF MASS. | 2,270 | $923K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 989 | $52K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,372 | $915K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,372 | $915K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASS. | 2,329 | $14.5M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,372 | $973K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,329 | — |
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.