| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIVELY INSURANCE BROKERAGE, INC.3 | 1141 SOUTH STREET #3 FITCHBURG, MA 01420 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $123K | — | $123K | 2.19% |
| GREGORY B JOHNSON3 | 60 THOREAU ST. STE. 202 CONCORD, MA 01742 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $33K | — | $33K | 0.60% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $11K | — | $11K | 0.19% |
| LIVELY INSURANCE BROKERAGE, INC.3 Filed as: LIVELY INSURANCE BROKERAGE, INC | 1141 SOUTH ST. #3 FITCHBURG, MA 01420 | AMERICAN FIDELITY ASSURANCE COMPANY | $19K | — | $19K | 4.39% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P O BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $10K | — | $10K | 2.20% |
| R L TENNANT INSURANCE AGENCY, INC.3 | 1149 WASHINGTON STREET NEWTON, MA 02460 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 0.88% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 0.56% |
| MSADA3 | ATTN. ROBERT O'KONIEWSKI, EVP ONE MCKINLEY SQUARE, 6TH FL BOSTON, MA 01420 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2K | $2K | 0.37% |
| JOHN V. GIARRATANA JR.3 Filed as: JOHN V. GIARRATANA, JR. | 222 CAPE POINTE CIRCLE JUPITER, FL 33477 | AMERICAN FIDELITY ASSURANCE COMPANY | $242 | — | $242 | 0.06% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.90% |
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 | 383 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 856 | $6.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 856 | $5.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 34 | $20K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 579 | $434K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 579 | $434K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 856 | $5.6M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 579 | $455K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.