| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE BENEFIT ADMINISTRATORS OF MASS3 | PO BOX 55917 BOSTON, MA 02205 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $0 | $185K | $185K | 18.56% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $0 | $81K | $81K | 8.10% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - (SEE ATTACHED) | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $463 | $12K | 9.51% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 7.88% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.43% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $862 | $11K | 17.70% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.45% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMINIST | 120 LONGWATER DR NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $387 | $3K | 6.64% |
| NEESENROLL3 | 65 BURBANK RD SUT, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.59% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $567 | $4K | 9.11% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.46% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMIN | 120 LONGWATER DR NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $355 | $3K | 9.20% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.74% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 316 | $994K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 316 | $994K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 261 | $230K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 257 | $125K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $75K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.