| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | $0 | $47K | 2.50% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $40K | $0 | $40K | 22.24% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET SALEM, MA 01970 | USABLE LIFE | $0 | $344 | $344 | 0.19% |
| UNKNOWN3 | UNKNOWN WELLESLEY, MA 02482 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | $0 | $5K | 3.96% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $415 | $0 | $415 | 9.32% |
| DB INSURANCE INC3 | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $258 | $73 | $331 | 7.44% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $2 | $60 | 1.35% |
| JAMES RICKER3 | THREE ISLAND AVENUE SALEM, MA 01970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.79% |
| CHRISTOPHER MANZI3 | 173 BRIMBLE AVENUE BEVERLY, MA 01915 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $16 | $31 | 0.70% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 280 | $117K |
| Life insurance | USABLE LIFE | 295 | $182K |
| Short-term disability | USABLE LIFE | 295 | $182K |
| Long-term disability | USABLE LIFE | 295 | $182K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $1.9M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 295 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.