| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA MATHIESON3 | 120 WELLS AVENUE NEWTON, MA 02459 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $35K | $5K | $40K | 2.98% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | — | $3K | 0.23% |
| PATRICIA MATHIESON3 | 120 WELLS AVE NEWTON, MA 02459 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $7K | — | $7K | 5.82% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18 FL NEW YORK, NY 10019 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $196 | — | $196 | 0.16% |
| CHARLES K. TUFTS3 Filed as: CHARLES K. TUFT | 49 RUSSELL STREET MILTON, MA 02186 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 13.83% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNION SECURITY INSURANCE COMPANY | $575 | — | $575 | 1.17% |
| CHARLES K. TUFTS3 | 49 RUSSELL STREET MILTON, MA 02186 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 13.74% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNION SECURITY INSURANCE COMPANY | $181 | — | $181 | 1.26% |
| CHARLES K. TUFTS3 | 49 RUSSELL STREET MILTON, MA 02186 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 13.63% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNION SECURITY INSURANCE COMPANY | $152 | — | $152 | 1.37% |
| PATRICIA MATHIESON3 | 120 WELLS AVENUE NEWTON, MA 02459 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $647 | — | $647 | 9.08% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $66 | — | $66 | 0.93% |
| PATRICIA MATHIESON3 | 120 WELLS AVE NEWTON, MA 02459 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 18.52% |
| KRAUTER & COMPANY, LLC3 | 150 SPEAR STREET-SUITE 800 SAN FRANCISCO, CA 94105 | UNION SECURITY INSURANCE COMPANY | $550 | — | $550 | 8.25% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 150 SPEAR STREET-SUITE 800 SAN FRANCISCO, CA 94105 | UNION SECURITY INSURANCE COMPANY | $461 | — | $461 | 26.52% |
| PATRICIA MATHIESON3 | 120 WELLS AVENUE NEWTON, MA 02459 | UNION SECURITY INSURANCE COMPANY | $320 | — | $320 | 18.41% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 299 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 263 | $120K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 99 | $7K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 75 | $11K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 64 | $56K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 40 | $14K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 299 | $1.3M |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY | 75 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.