| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 7 GIRALDA FARMS, 2ND FLOOR MADISON, NJ 07940 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $92K | — | $92K | 0.92% |
| WELLS FARGO INSURANCE SERVICES3 | 7 GIRALDA FARMS, 2ND FLOOR MADISON, NJ 07940 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 4.21% |
| WELLS FARGO INSURANCE SERVICES3 | 190 RIVER ROAD, 1ST FLOOR SUMMIT, NJ 07901 | VISION SERVICE PLAN | $3K | — | $3K | 2.64% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $323 | — | $323 | 8.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02110 | FEDERAL INSURANCE COMPANY | $318 | — | $318 | 8.51% |
| LOCKTON COMPANIES, LLC3 | ONE INTERNATIONAL PLACE BOSTON, MA 02210 | FEDERAL INSURANCE COMPANY | $242 | — | $242 | 6.48% |
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 | 653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,793 | $10.0M |
| Vision | VISION SERVICE PLAN | 451 | $96K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 647 | $550K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 647 | $550K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 647 | $550K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,793 | $10.0M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 653 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,793 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.