| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC BOULEVARD, 13TH FLOOR BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $69K | $36K | $105K | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $71K | $31K | $102K | 2.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $11K | $264 | $11K | 2.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $6K | — | $6K | 1.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | STANDARD INSURANCE COMPANY | — | $15K | $15K | 5.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 9.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 12TH FLOOR BOSTON, MA 02210 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 19.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 299 BALLARDVALE STREET, SUITE 2 WILLINGTON, MA 01887 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $363 | $6K | 10.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 12TH FLOOR BOSTON, MA 02210 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $41 | $4K | 7.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $41 | $1K | 2.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $152 | $152 | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02110 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $251 | — | $251 | 10.01% |
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 | 422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,070 | $7.8M |
| Dental(5 contracts, 3 carriers) | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 1,104 | $981K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 863 | $114K |
| Life insurance(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 863 | $625K |
| Short-term disability(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 863 | $625K |
| Long-term disability(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 863 | $627K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,070 | $7.8M |
| Other(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 863 | $627K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,104 | — |
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.