| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERKSHIRE INSURANCE GROUP, INC.3 Filed as: BERKSHIRE INSURANCE GROUP INC. | 66 ALLEN STREET PITTSFIELD, MA 012016227 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $245K | — | $245K | 8.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $139K | $7K | $147K | 5.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | AETNA LIFE INSURANCE COMPANY | $19K | — | $19K | 3.33% |
| BERKSHIRE INSURANCE GROUP, INC.3 | PO BOX 4889 PITTSFIELD, MA 01202 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 600084036 | VISION SERVICE PLAN | $2K | — | $2K | 1.78% |
| BERKSHIRE INSURANCE GROUP, INC.3 | 66 ALLEN STREET PITTSFIELD, MA 012016227 | VISION SERVICE PLAN | $675 | — | $675 | 0.49% |
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 | 1,523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,420 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,420 | $2.8M |
| Vision | VISION SERVICE PLAN | 745 | $139K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 2,295 | $564K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 2,295 | $564K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,420 | $2.8M |
| Other | AETNA LIFE INSURANCE COMPANY | 2,295 | $564K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,420 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.