| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $23K | — | $23K | 1.45% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS. BRKGE - DBA RISK STRAT. CO | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $11K | — | $11K | 0.69% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALERIA PKWY, SE - STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $10K | — | $10K | 0.63% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18 FL NEW YORK, NY 10019 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | — | $3K | 2.16% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS. BRKGE-DBA RISK STRATEGIES | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $1K | — | $1K | 1.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY, SE-STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $762 | — | $762 | 0.58% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 15.51% |
| ENROLLEASE3 Filed as: DIGITAL INS INC DBA ONEDIGITAL HEAL | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 11.56% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 4.45% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $477 | — | $477 | 5.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $281 | — | $281 | 2.98% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INC. BRKGE DBA RISK STRATEGIES | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $277 | — | $277 | 2.94% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNION SECURITY INSURANCE COMPANY | $352 | — | $352 | 15.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNION SECURITY INSURANCE COMPANY | $268 | — | $268 | 14.99% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE-STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $149 | — | $149 | 9.98% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 150 SPEAR STREET-SUITE 800 SAN FRANCISCO, CA 94105 | UNION SECURITY INSURANCE COMPANY | $66 | — | $66 | 25.19% |
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 | 330 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 344 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 291 | $130K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 142 | $9K |
| Life insurance(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 330 | $75K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 60 | $80K |
| Long-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 60 | $74K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 344 | $1.6M |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 330 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.