| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN FRAMINGHAM, MA 01702 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $54K | $0 | $54K | 2.51% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $53K | $0 | $53K | 20.79% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH DEERFIELD, IL 60015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.76% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3 | $2K | 4.56% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE, UNIT 66 IPSWICH, MA 01938 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $878 | $247 | $1K | 3.31% |
| MJ INSURANCE3 Filed as: ARNE C. EKSTROM AND VARIOUS AGENTS | 150 CANTERBURY WAY WEST SPRINGFIELD, MA 01089 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $671 | $0 | $671 | 1.97% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $360 | $0 | $360 | 1.06% |
| DB INSURANCE INC3 Filed as: DB INSURANCE INC. | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $348 | $0 | $348 | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 1070 SUFFIELD STREET AGAWAM, MA 01001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $291 | $0 | $291 | 0.86% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 556 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 556 | $2.2M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 556 | $2.2M |
| Life insurance | USABLE LIFE | 472 | $257K |
| Short-term disability | USABLE LIFE | 472 | $257K |
| Long-term disability | USABLE LIFE | 472 | $257K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 556 | $2.2M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 472 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
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.