| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING BRIDGE INSURANCE AGENCY | 38 AUSTIN STREET WORCESTER, MA 01615 | BCBS OF MASSACHUSETTS | $12K | $3K | $15K | 1.18% |
| SMALL BUSINESS INSURANCE AGENCY0 | 38 AUSTIN STREET WORCESTER, MA 01609 | BCBS OF MASSACHUSETTS | $14K | $0 | $14K | 1.09% |
| STERLING AND STERLING, INC.3 Filed as: STERLING BRIDGE INSURANCE AGENCY | 38 AUSTIN STREET WORCESTER, MA 01615 | EQUITABLE FINANCIAL LIFE | $14K | $0 | $14K | 11.94% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE SUITE 1300 BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE | $0 | $8K | $8K | 6.81% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF MASSACHUSETTS | 157 | $1.3M |
| Dental | BCBS OF MASSACHUSETTS | 157 | $1.3M |
| Vision | BCBS OF MASSACHUSETTS | 157 | $1.3M |
| Life insurance | EQUITABLE FINANCIAL LIFE | 160 | $114K |
| Short-term disability | EQUITABLE FINANCIAL LIFE | 160 | $114K |
| Long-term disability | EQUITABLE FINANCIAL LIFE | 160 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.