| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE Filed as: DIGITAL INSURANCE AGENCY INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC, | $54K | — | $54K | 2.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $936 | — | $936 | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $142 | $142 | 1.52% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $142 | $142 | 1.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $397 | — | $397 | 12.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $53 | $53 | 1.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEIU LOCAL 888 EIN 05-0578962 COMMON MEMBERS | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 25 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | $122K |
| BLUE CROSS BLUE SHIELD OF MASS EIN 04-1045815 NONE | Claims processing; Direct payment from the plan Service code 12 | 1 ENTERPRISE DRIVE QUINCY, MA 02129 | $28K |
| F L PUTNAM EIN 01-0403396 INVESTMENT ADVISOR | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | 20 WILLIAMS STREET WELLESLEY, MA 02481 | $16K |
| O'BRIEN, RILEY & RYAN PC EIN 04-3176941 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 30 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | $16K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 855 TURNPIKE STREET NORTH ANDOVER, MA 01845 | $15K |
| PARAGON CORPORATION EIN 04-3358691 NONE | Consulting (general); Direct payment from the plan Service code 16 | 1 DEVONSHIRE PLACE BOSTON, MA 02109 | $6K |
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 | 465 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC, | 279 | $2.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 77 | $3K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 77 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 77 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.