| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $35K | — | $35K | 1.31% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 233 WEST CENTRAL STREET NATICK, MA 01760 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $13K | — | $13K | 0.48% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $19K | — | $19K | 20.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $23K | — | $23K | 25.00% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET SALEM, MA 01970 | USABLE LIFE | — | $363 | $363 | 0.40% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE ATTENTION RICK CELLA BOSTON, MA 02199 | USABLE LIFE | $6K | — | $6K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 29 BALLARDVALE STREET WILMINGTON, MA 01887 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.03% |
| GCG FINANCIAL LLC3 | 1901 BUTTERFIELD ROAD SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $604 | — | $604 | 4.57% |
| HE INSURANCE INC3 | 225 WEST WASHINGTON SUITE 1550 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.02% |
| TIFFANY HYATT3 | 4 HAWTHORNE ROAD MERRIMACK, NH 03054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $625 | $328 | $953 | 11.39% |
| DB INSURANCE INC3 | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $861 | $26 | $887 | 10.60% |
| EASTERN INSURANCE GROUP LLC3 | PO BOX 4000 WAKEFIELD, MA 01880 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $605 | — | $605 | 7.23% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $206 | $15 | $221 | 2.64% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH DEERFIELD, IL 60015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 1.41% |
| MAUREEN GILLIGAN3 | 4 INDEPENDENCE WAY FRANKLIN, MA 02038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.37% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE IPSWICH, MA 01938 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.07% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 238 | $2.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 238 | $2.6M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 34 | $13K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 417 | $43K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 137 | $103K |
| Long-term disability | USABLE LIFE | 413 | $94K |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 417 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.