| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BP BENEFITS, LLC3 Filed as: BP BENEFITS | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $56K | $0 | $56K | 2.06% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES LLC | UNKNOWN TEWKSBURY, MA 01876 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $7K | $12K | $19K | 0.71% |
| BP BENEFITS, LLC3 Filed as: BP BENEFITS | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 10.52% |
| INDIGO INSURANCE SERVICES3 | UNKNOWN BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $13K | $13K | 7.48% |
| BULFINCH GROUP INSURANCE AGY3 Filed as: BULFINCH BENEFITS | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | FOUR EVER LIFE INSURANCE CO. | $0 | $97 | $97 | 7.96% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 373 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 373 | $2.7M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 373 | $2.7M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 167 | $173K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 167 | $173K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 167 | $173K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 373 | $2.7M |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 168 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.