| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $104K | — | $104K | 1.91% |
| BRIAN PATTON3 | 5272 E. MAPLEWOOD PLACE CENTENNIAL, CO 80121 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $104K | — | $104K | 1.91% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $22K | — | $22K | 0.40% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $12K | — | $12K | 3.71% |
| BRIAN PATTON3 | 5272 E. MAPLEWOOD PLACE CENTENNIAL, CO 80121 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $12K | — | $12K | 3.71% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $2K | — | $2K | 0.79% |
| INDIGO INSURANCE SERVICES3 | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | USABLE LIFE | $18K | — | $18K | 20.00% |
| INDIGO INSURANCE SERVICES3 | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | USABLE LIFE | $9K | — | $9K | 20.00% |
| INDIGO INSURANCE SERVICES3 | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | USABLE LIFE | $9K | — | $9K | 20.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $2K | — | $2K | 6.13% |
| BRIAN PATTON3 | 5272 E. MAPLEWOOD PLACE CENTENNIAL, CO 80121 | EYEMED VISION CARE | $2K | — | $2K | 6.13% |
| INDIGO INSURANCE SERVICES3 | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | USABLE LIFE | $7K | — | $7K | 25.00% |
| INDIGO INSURANCE SERVICES3 | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | USABLE LIFE | $966 | — | $966 | 25.00% |
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 | 389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 567 | $5.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 615 | $312K |
| Vision | EYEMED VISION CARE | 248 | $34K |
| Life insurance(2 contracts) | USABLE LIFE | 297 | $118K |
| Short-term disability | USABLE LIFE | 296 | $44K |
| Long-term disability | USABLE LIFE | 296 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 567 | $5.5M |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 409 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.