| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON STREET BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $44K | $11K | $55K | 2.27% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON STREET BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $5K | — | $5K | 3.65% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE AGENCY | 401 PARK DR BOSTON, MA 02215 | EQUITABLE | — | $6K | $6K | 5.18% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON ST, SUITE 400 BRAINTREE, MA 02184 | EQUITABLE | $4K | — | $4K | 3.46% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON ST, SUITE 400 BRAINTREE, MA 02184 | EQUITABLE | $3K | — | $3K | 8.72% |
| INDIGO INSURANCE SERVICES3 | 401 PARK DR BOSTON, MA 02215 | EQUITABLE | — | $2K | $2K | 5.45% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON ST, SUITE 400 BRAINTREE, MA 02184 | EQUITABLE | $2K | — | $2K | 6.14% |
| INDIGO INSURANCE SERVICES3 | 401 PARK DR BOSTON, MA 02215 | EQUITABLE | — | $2K | $2K | 5.50% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON STREET SUITE 400 BRAINTREE, MA 02184 | EYEMED VISION CARE | $1K | — | $1K | 9.89% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON STREET SUITE 400 BRAINTREE, MA 02184 | EMPLOYEE ASSISTANCE GROUP | $338 | — | $338 | 5.01% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 157 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 170 | $139K |
| Vision | EYEMED VISION CARE | 123 | $14K |
| Life insurance | EQUITABLE | 221 | $28K |
| Short-term disability | EQUITABLE | 221 | $40K |
| Long-term disability | EQUITABLE | 221 | $40K |
| Other(3 contracts, 2 carriers) | EQUITABLE | 285 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.