| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP, INC. | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $49K | $0 | $49K | 1.60% |
| CORPORATE BENEFITS GROUP3 Filed as: THE CORPORATE BENEFITS GROUP, LLC | 100 CONIFER HILL DRIVE SUITE 103 DANVERS, MA 01923 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $8K | $0 | $8K | 0.25% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP, INC. | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 8.96% |
| CORPORATE BENEFITS GROUP3 Filed as: THE CORPORATE BENEFITS GROUP, LLC | 100 CONIFER HILL DRIVE SUITE 103 DANVERS, MA 01923 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.96% |
| PLATINUM WORKSITE BENEFITS3 Filed as: PLATINUM WORKSITE BENEFITS INC. | PO BOX 228 HOPKINTON, MA 01748 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 13.02% |
| CORPORATE BENEFITS GROUP3 Filed as: THE CORPORATE BENEFITS GROUP, LLC | 100 CONIFER HILL DRIVE SUITE 103 DANVERS, MA 01923 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.58% |
| MICHAEL B PASKOWSKI3 | 100 CONIFER HILL DRIVE SUITE 103 DANVERS, MA 01923 | VISION SERVICE PLAN | $342 | $0 | $342 | 1.49% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 495 | $3.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 495 | $3.0M |
| Vision | VISION SERVICE PLAN | 131 | $23K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 210 | $173K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 210 | $173K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 210 | $173K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 495 | $3.0M |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 153 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.